Financial Independence….

Fraser has access to numerous investment and insurance products; providing what is most suitable to you! His affiliation with a variety of Investment, banking and life insurance companies enables him to provide you with the best product, regardless of company; thus providing you with unbiased recommendations.

Fraser also offers a broad range of services to help you obtain the financial success you deserve. He always provides a FREE initial consultation with no obligation on your part. Contact us today to arrange an appointment!

Services

Comprehensive Financial Planning

An in depth analysis of your overall financial situation, consisting of cash flow and budgeting; retirement planning; tax planning; investment analysis; risk management; and estate planning. We follow 6 steps when formulating a Financial Plan for you. Click for more details...

Retirement Planning

Prepare realistically for your chosen lifestyle at retirement. Retirement plans set out clear financial projections for your future.

Tax Planning

Included in your financial plans are strategies to minimize your income tax. Referral to professional electronic tax preparation services are also available.

Severance and Early Retirement Packages

Make informed financial, tax, cash flow and investment decisions on severance options and early retirement packages.

Pension Analysis

Determine your best pension option based on your situation. Analysis of pension maximization strategies. Determine if it is in your best interest to buy back pension time. Analysis of best method to pay for past service.

Investment Management

Optimize the asset mix within your portfolio. This dynamic approach is based on long term planning and your objectives and circumstances.

Risk Management

Assess your insurance needs and recommend the best type of insurance for your situation. Click for more details...  (new window...)

Will and Estate Planning

Review of wills and powers of attorney. Develop tax and cost effective estate strategies.

Cash Flow Management

A money management system to control your cash flow, eliminate debt and save for the future.

Tax Free Health Benefits

As a business owner, your employee's health care expenses can be paid with 'pre-tax' dollars through your company, which creates a legitimate deduction. Click for more details...

Products

Listed below are just some of the products that Fraser can provide:

  • Mutual Funds
  • TFSA
  • RRSP
  • LIF
  • RRIF
  • RESP
  • GIC
  • Segregated Funds
  • Annuities
  • Life Insurance
  • Mortgage Insurance
  • Disability Insurance
  • Business & Key Person Insurance
  • Critical Illness Insurance
  • Group Pension RRSPs & Insurance


Please be sure to contact us with any questions you may have. We would love to hear from you and are always available to help!


 

Harry Perler 131x150

FRASER MCDOWELL, CFP, CPCA

Certified Financial Planner

Worldsource Financial Management Inc.

604.468.0888

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