An investment advisor generally focuses on how your money is invested, while a financial planner looks more broadly at how those investments fit with your retirement, taxes, estate, insurance, business interests and family priorities. For clients with more complex wealth, the two areas should work together rather than independently.

Many clients first come to the team with investments held through a bank or another financial institution but want a more comprehensive planning relationship. Rather than focusing primarily on the portfolio, the team helps coordinate investments with retirement income, tax, estate planning, insurance, business transitions and other important financial decisions.

A CERTIFIED FINANCIAL PLANNER® professional takes a broader view of your financial life, helping connect areas such as retirement, investments, tax planning, insurance and estate goals. For clients with significant or more complex wealth, that planning-first approach can help ensure individual financial decisions support the same long-term direction.

IG Private Wealth Management may be well suited to families and business owners whose financial lives have become more valuable or complex. The team generally works with clients who have at least $500,000 in net investable assets and may also have corporate assets, real estate, pensions, inheritances, land or significant estate and family wealth considerations.

Yes. The team works with clients in Wellington, Picton and communities throughout Prince Edward County, as well as Belleville and the broader Quinte region. Clients can access local, plain-language advice while still receiving comprehensive planning around retirement, investments, tax, estate planning and family wealth.

Ideally, a business exit strategy should begin well before a buyer is involved or a retirement date is set. Early planning can help you think through what the business may be worth, potential tax implications, corporate assets, succession options, retirement income and how business value will eventually become personal wealth.

For many owners, much of their wealth is tied to the company. A financial advisor can help connect a future sale or transition with retirement income, investments, tax planning and estate goals so the value created inside the business can support life after ownership.

As retirement approaches, investments often need to do more than grow. Your portfolio may need to provide income, manage risk, account for inflation and work alongside pensions, CPP, OAS, taxes and estate goals. Investment planning should therefore be built around the role your wealth needs to play in your broader retirement plan.

Look for a financial advisor who takes the time to understand more than your investments. For clients with complex wealth, that can mean considering retirement income, taxes, estate planning, insurance, business interests and family priorities together, while also providing advice that is clear, responsive and easy to act on.