Five areas of planning,
coordinated as one.

A Financial Plan Built Around Your Life

There is no universal path to financial security*. Your plan should reflect your income, assets, obligations, family needs, personal values, and vision for the future. We begin by understanding your complete financial picture, then develop a practical roadmap that connects your day-to-day decisions with your long-term goals.

Whether you are building wealth, approaching retirement, already retired, or navigating a major life change, we help you understand where you stand, what may need attention, and which next steps can move you forward.

Retirement Planning That Goes Beyond a Target Number

A successful retirement plan is not simply about accumulating a certain amount. It is about turning your resources into a sustainable lifestyle while managing taxes, market uncertainty, inflation, longevity, and changing priorities.

We model different retirement scenarios to help answer the questions that matter: When can I retire? How much can I comfortably spend? Which accounts should I draw from first? When should I begin CPP and OAS? How can I support my family without compromising my own well-being? By testing the impact of different decisions, we help you move from uncertainty to a retirement strategy grounded in real numbers.

Our Ongoing Approach

Your plan is not a one-time document. We monitor your progress, revisit your assumptions, and adjust your strategy as circumstances evolve. A career change, business sale, inheritance, market shift, or change in family needs can affect several parts of your plan at once. Our role is to help keep those decisions connected and your strategy moving in the same direction.

Tax Strategy Integrated With Your Wealth Plan

Tax planning should not happen in isolation or only at filing time. At Evergreen Wealth Management, we consider the tax impact of investment, retirement, cash-flow, estate, and business decisions throughout the year. By coordinating these areas, we can help identify opportunities, reduce avoidable tax drag, and prevent one decision from creating an unintended consequence elsewhere.

We work alongside your accountant and other professional advisors when specialized tax advice is required, helping ensure that recommendations are implemented as part of one coordinated strategy.

Make Better Use of Every Account

Different accounts offer different tax treatment, and the best choice may change with your income, goals, and stage of life. We help you evaluate how RRSPs, TFSAs, RESPs, FHSAs, corporate accounts, and non- registered investments can work together. Asset location, contribution timing, income splitting opportunities, and withdrawal order may all influence your after-tax outcome.

Our focus is not simply reducing tax today. It is balancing current savings with future flexibility, retirement income needs, estate objectives, and the possibility that your tax situation may change.

Planning Across Life Transitions

A promotion, retirement, severance package, business sale, inheritance, or move between countries can create both opportunities and complications. We help you assess the financial impact before important decisions are finalized, giving you time to compare options and coordinate with the appropriate tax and legal professionals.

A Clear Plan for Your Legacy

Estate planning is about more than preparing a will. It involves understanding how your assets are owned, who will receive them, how taxes and expenses may be funded, and whether your family will have the liquidity and guidance needed when the time comes.

We help you organize the financial elements of your estate plan and coordinate them with your investment, insurance*, retirement, and tax strategies. Where legal or tax advice is needed, we collaborate with your lawyer, accountant, and other professionals so each part of the plan supports the same goals.

Transferring Wealth With Purpose

Every family has different priorities. You may want to provide equally for your children, address the needs of a blended family, support a loved one with a disability, preserve a family property, make a charitable gift, or prepare heirs to manage an inheritance responsibly.

We help you explore different transfer strategies, understand potential tradeoffs, and create a framework that reflects both your financial goals and your values. The objective is not only an efficient transfer of assets, but also a thoughtful and well-communicated transition.

Reviewing the Plan as Life Changes

An estate plan can become outdated as families, assets, laws, and priorities change. Marriage, separation, the birth of a child or grandchild, a move, the sale of a business, or a significant change in wealth may all require a fresh review. We help keep the financial strategy current and flag areas that should be revisited with your lawyer or accountant.

Planning Beyond the Business

Your company may be your largest asset, your primary source of income, and an important part of your retirement or legacy plan. Yet it can be difficult to step away from daily operations and evaluate how effectively the business is supporting your personal goals.

At Evergreen Wealth Management, we help you look at the full picture: what is held personally, what is held corporately, how cash flows between the two, and what you want the business to provide over time. This creates a clearer framework for decisions today and more flexibility for the future.

Coordinate Corporate and Personal Wealth

The right strategy depends on your company, ownership structure, income needs, investment timeline, family circumstances, and exit objectives. We work with you and your accountant to explore how salary, dividends, corporate savings, registered accounts, and personal investments may fit together.

We also consider how corporate investment income, insurance*, creditor exposure, liquidity needs, and future tax obligations could influence the structure of your plan. Recommendations involving tax or legal matters are coordinated with the appropriate qualified professionals.

Plan for the Exit Before You Need It

Even if a sale or succession is years away, early planning can expand your options. We help you define what financial independence looks like beyond the business, estimate the resources your future lifestyle may require, and identify gaps that could create too much reliance on a single exit outcome.

When a transition approaches, we can coordinate with your legal, accounting, and transaction advisors to help align the proceeds, investments, income strategy, and estate plan.

Prepare for the Risks You Can See—and the Ones You Cannot

Market volatility is only one form of financial risk. Illness, disability, premature death, liability, inflation, longevity, business disruption, and unexpected family obligations can also reshape a plan. We help identify the risks most relevant to your circumstances and determine which should be insured*, reduced, transferred, or managed through your financial structure.

The goal is not to eliminate every risk. It is to make intentional choices, protect* essential priorities, and preserve flexibility when life does not go according to plan.

Protection* Designed Around Your Real Needs

Insurance* can play an important role, but coverage should be connected to a clear purpose. We assess how much protection* may be needed, what financial obligation it addresses, and how it fits with your existing assets, workplace benefits, corporate coverage, and estate plan.

Depending on your circumstances, planning may include life, disability, critical illness, long-term care, or business-related insurance*. We also review liquidity reserves, debt exposure, beneficiary designations, portfolio risk, and other safeguards that can reduce financial pressure during a difficult period.

Preserving Wealth Through Market Cycles

A well-designed investment strategy should account for both your return objectives and your ability to tolerate risk. We align the portfolio with your time horizon, income needs, and financial plan, then review it as your circumstances evolve. This helps reduce the likelihood that short-term market events drive long-term decisions.

For retirees and clients approaching retirement, we also consider how cash reserves, income sources, and withdrawal strategy can work together to manage sequence-of-returns risk and support consistent spending.