True North Retirement Counsel

Wealth Builder Plan

For those saving towards retirement and other life goals

Cash Flow Analysis & Statement
Net Worth Analysis & Statement
Retirement Saving Plan - Projected growth of current investments plus contributions, what’s required to get you to retirement.
Risk Management Analysis - Investments and basic life insurance
Determination of Investment Risk Profile leading to a target asset allocation model
Basic Portfolio Review - Comparison of target to actual
Plan includes one revision and review after 1 year

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Retirement Income Plan

For someone closing in on retirement or already retired and wanting reassurance

Includes everything in Basic Plan + the following:
Behavioral Finance Personality Assessment Tool
Detailed Portfolio Analysis offered by Q Wealth
Detailed Asset Allocation Modelling offered by Q Wealth
Integrated Retirement Income Plan
CPP and OAS Optimization Analysis
Workplace Pension Plan Analysis
Longevity Stress Test on income portfolio - what if you live longer than expected?
Specific recommendations with action steps
Plan includes up to two revisions and a full review after 1 year

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Comprehensive Plan

For someone wanting a comprehensive plan covering all aspects of their financial life through retirement and including an integrated estate plan

Includes everything from Basic and Retirement Income Plan + the following:
Monte Carlo and Probability Analysis & Stress Test on all stated goals
Retirement Lifestyle Assessment - using the Retirement Dimensions™ Tool
Detailed Insurance Analysis - Life, Disability, Critical Illness, Long-Term Care Policies and Estate Preservation Policies will be reviewed for appropriateness and adequacy.
Estate Plan - an integrated review of your Wills, Powers of Attorney, Trusts and Life Insurance Strategies to ensure consistency with your financial plan and stated goals.
Coordination with other professional advisors when required (lawyers, accountants etc.)
Eldercare Issues Planning explored
Specific recommendations with action steps
Plan includes up to two revisions and a full review after 1 year

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Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including True North Retirement Counsel. As a client of Q Wealth, you may receive services from both Q Wealth and True North Retirement Counsel. Note that individuals from True North Retirement Counsel will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. True North Retirement Counsel may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

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