Synergy Financial Group | What We Do | Synergy Financial Services.
Services Provided by Synergy Financial Group Calgary.
Financial Advisors Calgary
19714
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What We Do

What We Do

At Synergy Financial Group, we provide strategies for what is most important to you. We believe there are two aspects to financial security planning; Risk Management and Wealth Management. Within each of these aspects, there are many strategies to help protect you, your family and all that you have built. 

We work with Canada’s top rated insurance and investment companies to provide appropriate risk and wealth management strategies. We utilize a pension style approach toward allocating and managing your assets since we are unable to determine what the markets will do on any given day. This takes away investing based on popularity or market timing. By implementing a disciplined approach using optimal pools that match your risk profile, this works to reduce the volatility in returns based on your acceptable level of risk.

Risk Management Strategies

Wealth Management Strategies

Traditional Life Insurance provides coverage for when you have significant debt that you wish to cover off in the event of death ie. Term insurance to pay off the mortgage and provide replacement income for your family

Registered Retirement Savings Plans provide immediate tax relief for your dollars invested. They also provide tax deferred accumulation while invested within the account. RRSP accounts are an excellent way to accumulate assets for retirement

Contemporary Life Insurance provides tax free cash exactly when needed. At the end of the day regardless of any planning you may have done, there is likely tax owing, ie. Capital gains on the cottage or other assets! How is that going to be paid? Often Permanent cash-value life insurance is the least cost alternative to pay the tax without disruption to the rest of the estate assets

OPEN non-registered Investment accounts with the use of Corporate Class Funds unlike a typical mutual fund trust where all income, dividends and capital gains must be distributed. Corporate Class funds are able to allocate these among the pool and defer distributions. A very good option for tax planning with non-registered assets and family trusts.

Disability Insurance replaces your income (tax-free) in the event of an illness or injury. Making sure that you have your most valuable (your earning power) asset protected with a properly designed and implemented LTD plan makes a lot of sense

Tax Free Savings Accounts provide tax free accumulation while invested within the account. TFSA’s are an excellent addition to RRSP accounts by accumulating more assets for your retirement

Critical Illness Insurance provides coverage in the event you are diagnosed with a Heart Attack, Life Threatening Cancer or a Stroke. Health risks are real – Uncover the facts. A lump-sum of cash (tax-free) paid out exactly when needed that can be used for any purpose such as obtaining medical attention out of country / province or taking a sabbatical to focus on getting healthy

Registered Education Savings Plans provide an efficient way for you to save for your children’s education. Money invested in a RESP will attract the Canada Education Savings Grant funds which also adds to the total amount of monies accumulated for your children’s post-secondary education

Private Health Services Plan (aka Health Trust) provides a tax efficient way to pay for medical, dental and vision costs for you, your family and your employees

Donor Directed Charitable Giving when you wish to give back to the community, you are able to set up a charitable giving program and determine who, when, what and how to give to the charities of your choice.

Risk Management Strategies

Wealth Management Strategies

Traditional Life Insurance provides coverage for when you have significant debt that you wish to cover off in the event of death ie. Term insurance to pay off the mortgage and provide replacement income for your family

Registered Retirement Savings Plans provide immediate tax relief for your dollars invested. They also provide tax deferred accumulation while invested within the account. RRSP accounts are an excellentway to accumulate assets for retirement

Contemporary Life Insurance provides tax free cash exactly when needed. At the end of the day regardless of any planning you may have done, there is likely tax owing, ie. Capital gains on the cottage or other assets!How is that going to be paid? Often Permanent cash-value life insurance is the least cost alternative to pay the tax without disruption to the rest of the estate assets

OPEN non-registered Investment accounts with the use of Corporate Class Funds unlike a typical mutual fund trust where all income, dividends and capital gains must be distributed. Corporate Class funds are able to allocate these among the pool and defer distributions. A very good option for tax planning with non-registered assets and family trusts.

Disability Insurance replaces your income (tax-free) in the event of an illness or injury. Making sure that you have your most valuable (your earning power) asset protected with a properly designed and implemented LTD plan makes a lot of sense

Tax Free Savings Accounts provide tax free accumulation while invested within the account. TFSA’s are an excellent addition to RRSP accounts by accumulating more assets for your retirement

Critical Illness Insurance provides coverage in the event you are diagnosed with a Heart Attack, Life Threatening Cancer or a Stroke. A lump-sum of cash (tax-free) paid out exactly when needed that can be used for any purpose such as obtaining medical attention out of country / province or taking a sabbatical to focus on getting healthy

Registered Education Savings Plans provide an efficient way for you to save for your children’s education. Money invested in a RESP will attract the Canada Education Savings Grant funds which also adds to the total amount of monies accumulated for your children’s post-secondary education

Private Health Services Plan (aka Health Trust) provides a tax efficient way to pay for medical, dental and vision costs for you, your family and your employees

Donor Directed Charitable Giving – when you wish to give back to the community, you are able to set up a charitable giving program and determine who, when, what and how to give to the charities of your choice.