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Since 1958, The Coles Group has been dedicated to providing financial security to our valued clients in their retirement and estate plans.

Retirement Planning

The most important part of your retirement plan is solid advice.

When you come to The Coles Group, we have a step by step process.

1. We listen to your goals and focus on what will make you happy.
2. We identify the details that make your situation unique.
3. We explain your options and implement the plan that suits you.
4. We monitor and adjust your investment program to provide the best possible retirement income.

At retirement, there is a small window of time where your financial decisions will have a significant long-term impact on your future. When this time comes, we’ll be here for you.

Estate Planning

Everyone benefits from estate planning. An estate plan reduces taxes and costs of an estate, speeds up the transition of assets to your family and protects beneficiaries. By planning for the future today, you will retain more of your assets and secure a lasting legacy.

The toughest decision is whether to implement an estate freeze or not and if so, when. While you’re alive, and without incurring any immediate tax implications, an estate freeze gives you more flexibility.

  • Retain the existing value of your business.
  • Retain control of the business.
  • Freeze and defer the existing accrued capital gains tax liability respecting company shares.
  • Transfer the future growth of the company (together with the tax liability) to others, either directly or through a family trust.
  • Retain financial support from the company through salary, dividends, redemption of shares, and increased value of shares.

Services

  • Retirement Planning
  • Investment Planning
  • Tax Planning
  • Retirement Income Analysis
  • RRIF’s (Registered Retirement Income Fund)
  • LIF’s (Life Income Fund)
  • Annuities
  • Risk Profile Analysis
  • Portfolio Development
  • Asset Allocation
  • Tax Minimization and Estate Preservation
  • Income Splitting
  • Tax Deferral
  • Credits and Deductions

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