Financial and Estate Planning

A planned approach to growing your assets and protecting your hard-earned cash from Estate to Education and everything in between.

Financial and Estate Planning

Finance and Estate Planning requires a holistic approach and should be tackled year-round. Why bother? Money! That’s why. Keeping more of it. And making more of it work for you.

FBC Tax Financial and Estate Planning

What’s In Your Plan?

Comprehensive Strategy

Comprehensive financial and estate planning encompasses all aspects of your personal and businesses goals. It can include:

FBC Financial Advisor

A FBC Financial & Estate Planning advisor will work with our tax specialists to achieve your goals and objectives in the most cost and tax-effective manner.

Our FBC Financial & Estate Planning advisors can help you make the right decisions about insurance and investment products.

Working with your FBC tax specialist we take into account both your personal and business needs and goals to arrive at a financial solution that addresses your specific situation. FBC Financial & Estate Planning is a division of FBC, Canada’s Farm and Small Business Tax Specialist™.

Succession Plans

Our Financial and Estate Planning division can help you develop your retirement and succession plans. Ensure an easy transition for you and your family as you move on to the next stage of your life.

FBC Financial & Estate Planning, (also known as Harvest Estate Planning), was established in 1998 and provides financial planning consultation exclusively to our Members. This service is provided with Membership at no extra charge.

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We'll do our best to accommodate or give you some alternatives.

We encourage all Members to take advantage of our financial planning expertise.

  • All FBC Members receive financial and estate planning as part of Membership.
  • Our only objective is to provide you with the best solutions, at the best price, with the best company(s), for your particular situation.
  • Our associates across the country have many years of experience in the financial services industry.
  • Dealing with one company makes it easier for you to plan from both a tax saving and estate planning perspective.
  • Our specialists work collaboratively with your FBC tax consultant to provide you with a tax efficient and comprehensive solution to your needs.
  • We provide convenient service in your home or office.
  • We provide independent and objective advice and represent a majority of Canada’s life insurance and investment companies.
  • We are very flexible and easy to deal with, and can accommodate you, no matter what your needs are.

FBC Financial Products and Plans

Investment Products

  • Annuities
  • GIC’s
  • Mutual Funds
  • Segregated Funds
     
  • Registered Retirement Savings Plans (RRSP)
  • Registered Disability Savings Plans (RDSP)
  • Registered Retirement Income Funds (RRIF)
  • Registered Educational Savings Plans (RESP)
     
  • Tax Free Savings Accounts (TFSA)
  • Individual Pension Plans (IPP)
  • Life Income Funds (LIF)
  • Life Income Retirement Accounts (LIRA)

Insurance Products

  • Critical Illness Insurance
  • Disability Insurance
  • Group Benefits Plan
  • Life Insurance
  • Long Term Care Insurance

 

 

FBC Financial and Estate Planning

 


health spending account

All FBC Members have access to the FBC Health Spending Account that allows you and your employees to pay for healthcare and dental expenses directly using pre-tax dollars.

This saves the taxes payable when health care expenses are paid from T4 income.

There’s no cost for Members to set up a Health Spending Account as it’s included with your FBC Membership.

To find out more go to www.fbcbenefits.ca.


Retirement Planning

Retirement Planning

Retirement planning is the process of determining your retirement income goals and the actions and decisions necessary to achieve those goals.

Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets.

Together with your tax specialist, your FBC Financial & Estate Planning advisor will develop an affordable plan that helps you achieve your retirement goals.

Estate Planning

Estate Planning

An estate plan can provide direction at death to ensure your wishes are carried out and help to maximize the value of your estate by reducing taxes and other expenses.

An FBC Financial & Estate Planning advisor will work with your tax specialist to create a comprehensive estate plan to help ensure more of your money goes to your heirs and less to the government.

Tax Planning

Tax Planning

Aligning your personal objectives and financial goals in a tax efficient manner is critical to the success of any financial or estate plan.

At FBC, you benefit from the combined experiences of a financial and estate planning professional with that of a tax specialist to arrive at a fully integrated tax efficient plan.

Risk Management

Risk Management

By identifying, measuring, and treating risk, followed by implementing the treatment plan and monitoring changes over time you can mitigate your personal and business risk.

Risk Management can include various types of insurance to insure against the loss of earning power or applying asset allocation techniques to lower overall market risks in an investment portfolio.

Your FBC Financial & Estate Planning advisor will work with your tax specialist to identify risks and provide you with potential solutions.

Cash Flow Management

Cash Flow Management

Cash Flow Management is the process of analyzing inflows and outflows of money and managing surplus or deficient cash balances. 

Cash inflows are revenue related items and increase cash. They can include revenue from a businesses’ operations or a salary for an individual. 

Cash outflows are generally considered expenses and reduce the amount of cash on hand. They can include either business or household expenses.

FBC is the only tax services company that completes a Source and Application of Funds to support its tax services.  

This can be a very useful resource used by our financial and estate planning team to determine cash flow concerns or opportunities to invest excess surplus.

Investment Management

Investment Management

Investment management involves various financial instruments to manage your personal and business investments and ensures they align to your risk tolerance.

At FBC, we review your specific risk tolerance and personal and business goals to develop a well-balanced portfolio to meet your specific needs.

Education Planning

Education Planning

While your FBC Financial & Estate Planning advisor may not be able to help you or your children achieve academic excellence, we can assist you create an education plan to save for your children’s and grandchildren’s education.

All FBC Members receive financial and estate planning as part of Membership.

Connect with your Local Tax Consultant to learn more

Already a Member?

To meet with a financial advisor, call 1-800-265-9237 or email financial@fbc.ca.

Making The World a Better Place, One Member At A Time

"Try to save something while your salary is small; it’s impossible to save after you begin to earn more." — Jack Benny