The CWM Investment Group

Corporate wealth management is an area where we have chosen to specialize as there are many tax considerations to incorporate whether you have an active business or a holding company. While this is our specialty, our clients include individuals, families and business owners. Corporate tax rates do not vary by industry but there are differences between various professional corporations with regards to ownership. Professional corporations applies to physicians, dentists, architects, accountants and lawyers to name a few. When we construct our investment portfolios, the underlying investment allocation is the same whether you are a business owner or not. However, the tax and estate planning will be different whether you are a business owner or a retiree.

We want to take the worry out of investing and the planning that goes around your finances. Your finances have a lot of moving parts, we want to make sure that they are all working together. We do this by taking the time to get to know each client before we make any recommendations. We want to make sure that this ties in with the rest of your life as each client and family situation is different. For us it is not just about how the markets have done in the last day or month or where we think they are going in the next quarter. What is more important than that is "will you have enough" or will your family be ok if they lost the income of the major breadwinner.

After tax returns are what matters. We are very concerned about what you are left with in your pocket after taxes. It may not make any sense to earn a 8% return if it all comes back as interest income only to be taxed at 46%. If you own something like this in a taxable account, why not move it into a non taxable account? This is a simple thing that can be done but, if you don't take the time to look at it then it won't happen.

Whether you are in the early stages of your life saving for University or in retirement we want you to feel confident in your financial situation. For new clients we realize this takes time to earn your trust and for existing clients we never take our relationships for granted. We know our clients have worked hard for their money, so we want to ensure that we are working hard to take care of it for you.

If we can keep taxes and fees as low as possible our clients are going to be much further ahead.

What we do

• Investment Management
• Financial Planning
• Insurance

Professional Corporations

When advising professional corporations there are different ownership rules for each profession. It's important to work with someone who understands those differences.

Lawyers

Doctors

Dentists

Accountants