Investments and available cash
Review holdings across institutions as a household portfolio. Compare concentration, fees and risk with the cash needed for spending, family support and planned purchases.
Coordinated Wealth Management
Bring your financial decisions into one conversation.
When investments, property, business interests and family responsibilities overlap, individual account decisions are only part of the picture. Build an ongoing plan around the connections.
See the connections
One decision can affect several parts of your plan.
Retirement and business wealth
Coordinate pensions and withdrawals with business income, property and a possible sale. Consider how taxes, inflation and a surviving partner’s needs affect the income available to spend.
Protection and inheritance
Connect insurance and emergency reserves with debts and dependant needs. Align beneficiaries, estate liquidity and charitable intentions with the legal plan rather than reviewing them in isolation.
An ongoing working relationship
Agree on priorities, responsibilities and the next review.
Start by organizing what you own, owe and earn. Decide which issues need attention first, then coordinate the financial work with the professionals responsible for legal and tax advice.
Adapt the work to your source of wealth
For incorporated professionals, review corporate and personal cash needs with your accountant. For business owners, connect succession and ownership concentration. For established families, align support for children or parents with your own retirement and access needs.
Know who provides each service
Investment and insurance services depend on the licences, registrations and approved scope of the provider. Confirm products, fees and how accounts will be handled. Discretionary portfolio management is available only if explicitly offered through an appropriately registered entity.
Keep your other professionals involved
With your permission and appropriate privacy arrangements, we can coordinate with your accountant and lawyer using consistent information. Centerpointe supports financial and insurance planning; qualified specialists provide formal tax advice, legal documents and legal advice.
Questions before you decide
Look closely at the details.
How is wealth management different from financial planning?
Financial planning establishes goals, evaluates your overall position and creates a path forward. Wealth management is typically an ongoing relationship for people whose assets, income, accounts or responsibilities require regular coordination across several planning areas.
Can Centerpointe manage all my investments?
The services available depend on the licences and registrations held by the individuals and entities involved. Before transferring or investing assets, you should receive clear information about the provider, products, fees, services, risks and how the account will be handled.
Will my investments be guaranteed?
No. Market-based investments can rise or fall in value, and past performance does not guarantee future results. Certain products may contain specific guarantees, subject to issuer strength, contract terms, maturity requirements, limits and other conditions.
How often will my plan be reviewed?
The review schedule should reflect the service arrangement and your needs. Additional reviews may be appropriate after major financial, family, business, health or legislative changes.
Review with Centerpointe
Start with the decision that is hardest to see clearly.
Bring a summary of your assets, debts, accounts, income and current plans. The first conversation will clarify your priorities and whether our available services suit your needs. Share sensitive documents only through an approved secure process.
Wealth Management Areas We Serve
Wealth Management guidance in Ottawa and neighbouring Eastern Ontario communities.
The information on this page is general and educational in nature. It is not investment, portfolio-management, tax, legal or accounting advice.
Wealth-management, planning, investment and insurance services are available only through appropriately licensed, registered or credentialed individuals and entities. Available services, products and professional titles may vary by individual, provider, jurisdiction and client eligibility.
Investment products involve risk. Values may fluctuate, losses are possible and past performance does not guarantee future results. Any guarantees are subject to the claims-paying ability of the issuing institution and the applicable contract terms.
Centerpointe Financials does not provide legal, tax or accounting advice. Clients should consult qualified lawyers, accountants and tax professionals regarding those matters.