Encompass complete financial health and well being for our clients, by building relationships and creating a memorable client experience.
Through means of passion our group sets out to work with individuals establishing their goals and seeing them realized. Value is added by the richness of relationships where trust, honesty and sincerity become unquestionable.
The primary difference between these programs is often the tax consequences, marginal tax rates at the time of contribution versus marginal tax rates at the time of withdrawal. In addition to RRSPs and TFSAs, registered retirement income funds should also be considered. These plans are designed to provide retirees with a consistent source of income after they have left the active work force.
With a Registered Education Savings Plan(RESP), you can set money aside and enjoy tax-sheltered growth until your child begins post-secondary studies. Once university starts, payments from the accumulated funds will give your child the freedom to focus on schoolwork.
The Registered Disability Savings Plan is a long-term savings plan to help Canadians with disabilities and their families save for the future. If you have an RDSP, you may also be eligible for grants and bonds to help with your long-term savings.
Having the right protection can make a huge difference in your life, and the lives of those close to you. To determine which of the many products on the market best suits your situation, AV Financial will look at numerous life factors including age, health and required income.
This coverage is designed to help protect your most valuable asset, your ability to earn an income. If tragedy strikes and your earning power is jeopardized, disability Insurance can ensure that your compensation is not impacted, preventing the extra stress of financial worries when you should be focused on regaining health and well-being.
Critical illness or severe medical conditions such as a heart attack, stroke or cancer can turn your life upside down. Insurance can protect both you and those close to you from the devastating financial repercussions related to serious health issues. AV Financial is up to date on the numerous options available and will explore your needs to help you select an appropriate level of coverage.
AV Financial recognizes that your business organization and your people are unique. We will design a comprehensive group plan that will work for you, whether you have 300 employees or just 3. We represent a wide variety of companies across British Columbia and are proud to be the Group Benefits representative for the Chamber of Commerce in the Alberni Valley, Tofino and Ucluelet.
Tax minimization strategies and estate planning involves the protection and distribution of assets both during life and after death. An effective estate plan clearly outlines clients' wishes and ensures that personal objectives are implemented in a tax efficient manner.
Estate planning means arranging how you will leave your money and property when you die and what you intend to leave for your spouse, children or other family members. It involves a variety of topics, including:
Many estate planning issues are complex. If you don't plan correctly:
AV Financial can help you with a plan and work with your other professionals to make your estate plan work the way you want it.
Our in house Tax Professionals with a combined 50 years of experience will make sure you get the tax return you deserve! From a basic tax return to corporate and estate tax planning, AV Financial is here to help.
10% Discount for Seniors!
We have a Conference Room available for rent for all of your Business or Personal needs! $150 for a full day or $75 for a half day rental. Seating for up to 30 people, our room is a great clean setting for any occasion. Come on by and have a look at what this space offers!
Coffee and/or catering can be supplied by request.
For your convenience you have the option of contacting us by email. Please note that no email is 100% secure, we ask that you provide us with your contact information and questions only. Do not include sensitive information such as income or social insurance number.
Phone (250) 724 9745
Fax (250) 723 7738