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Accumulation Phase

The accumulation of wealth involves a disciplined debt management strategy combined with a solid investment mandate. Understanding the challenges of personal and family cash requirements‚ we utilize exceptional products that allow our clients to become debt free many years sooner than by conventional money management techniques while still allocating resources to a long–term investment portfolio.

Our tax focused accumulation advice involves:

• reorganization of debts enabling tax–deductibility;
• allocation of assets to tax–preferred and tax–deferred investments;
• building educational savings for children;
• implementing cost–effective life‚ disability and illness insurance.

Retirement Phase

Although the concept and dynamic of retirement is changing‚ most people still have the objective of eventually becoming financially independent. At some point in time (chosen in the accumulation phase) our clients will retire either partially or fully from the workforce. Lifelong savings and assets are then required to provide future income in concert with pensions and government benefits. Our expertise ensures that a retirement plan is able to provide lifelong income while maintaining purchasing power due to inflation‚ resisting market volatility and reducing taxes during retirement and at death.

Our tax focused retirement advice involves:

• leading–edge‚ statistically tested retirement planning;
• tax–efficient systematic withdrawal plans;
• government benefits maximization;
• disciplined asset–allocation portfolios and diversified investment holdings.

The information priorities of our clients‚ beyond financial counseling‚ involve benefit entitlement upon retirement‚ legal matters (wills‚ powers of attorney)‚ understanding what to expect in retirement‚ preparedness in the unforeseen event of early retirement‚ and suggestions on new activities to become involved in. M3 Financial provides extensive counseling in these matters and provides educational resources to empower our clients to seize opportunity with confidence.

Estate Planning

M3 Financial acts as a trusted partner and provides outstanding guidance to our clients involving estate matters. Although most are not enthusiastic about conversations regarding death‚ our clients are proud to possess the dignity of leaving a well–planned legacy. Our concientious foresight prepares families for the transfer of wealth from one generation to the next with the least impact from taxation. Our considerations involve planned giving to immediate loved ones‚ charitable contributions to the community and enduring trust structures for many future generations.