What we don’t know, we don’t know.

Would you go to your family doctor for a heart operation? As in any profession, in the financial world there are specialties. Given the future financial repercussions of not having the most specialized advice, are you comfortable with your planning to date?

Counterpoint Financial frequently uncovers problems that were not known to exist – regardless of the number and expense of existing advisors. We ensure that our clients receive best-in-class advice, and we work extensively with existing accounting and legal advisors to ensure planning is seamless, highly cost-efficient and tax-efficient – and that financial goals are achieved.

If you answer “yes” to even one of these questions, click here and prepare to say “This is the best thing I’ve ever done.”

Provide clarity to your financial future

1. Most families / business owners have a mental plan on where they want to be in the future – would you be interested in seeing if you are on the right path? Numbers are power and when it comes to your financial future, ignorance is not bliss.
2. Your future is intertwined with your family’s future – should a plan not be put in place to ensure all goals are achieved?
3. Are you concerned that you will not be in a position to accomplish your financial goals?

Investment success and protecting your capital

Counterpoint Financial is extremely fortunate to have as a friend David Darst, who served for 17 years as a Managing Director and Chief Investment Strategist of Morgan Stanley Wealth Management, and was founding President of the Morgan Stanley Investment Group. See David’s Wikipedia entry here.

Download PDF Bio

One of the 11 books David has written is the The Little Book That Still Saves Your Assets. Ideas in this book serve as the guiding principles for our clients to not only preserve their capital but grow it in a responsible manner.

4. Were you shocked at the affects of the 2008 financial crisis on your investment portfolio? How long has it taken to repair this damage?
5. Given that your financial future is at stake, if this happened again, would it affect your lifestyle in the future?
6. Would you be interested in learning about strategies that can provide peace-of-mind in both up and down markets?

Funding future needs with insurance products

(Income replacement, retirement, maintaining lifestyle, healthcare costs and more)

7. Given our increased lifespan, retirement and healthcare funding should be a priority. Are you aware that there is an asset class that allows you to create “safe capital” on a tax deferred basis, in a low volatility environment, earning attractive rates of return which can never go down?
8. According to Albert Einstein, “Compound interest is the most powerful force in the universe.” Are you using this strategy to significantly increase your wealth?
9. How do you grow your capital in a safe manner to fund your future in today’s low interest rate environment, and amid periods of increased volatility? There are ways to protect your capital so it will always be there.
10. Are you protecting against all of inflation, longevity, market risks, health risks and mortality?

Protecting what you care about the most

11. $1,000,000 earning 5% per year provides just $50,000 in pre-tax income. Does your family have the millions required in investable assets to replace your income for the next 20, 30, 40 or even 50 years?
12. Are you 100% certain that you’ve protected the things you love the most? Most people automatically insure their homes, cars, valuables, etc. but these items pale in comparison to the capital required for their family’s future.

Becoming even more wealthy from your business

13. Canada has one-of-a-kind tax laws pertaining to insurance, and especially so if you are a business owner. There are strategies, approved by all of the leading accounting firms, that will significantly increase your wealth and strategic exit planning alternatives. Are you receiving this advice?

Securing your legacy

14. You have been very successful. But have you solved some of your most important problems relating to the transfer of wealth? This is one of the key things for which you will be remembered. Has family harmony been achieved (to the extent possible)? Has charitable giving been given consideration? Has wealth been protected from taxation? It is almost a certainty that more work could be done.
15. Most people don’t realize the amount of public disclosure that occurs as part of the probate process when assets are transferred. Is this a concern? If so, there are ways to reduce the amount of information the public will have access to.