Our services

Your goals

Your financial decisions must be part of a clear, structured vision. At Pérennité, we build each of our interventions around concrete, evolving goals aligned with your reality. This approach allows us to craft coherent, lasting strategies fully adapted to your ambitions.

01 — Accumulate

Build with rigour.

Building and accumulating wealth
Our goal

Build solid wealth, able to support your future plans.

Wealth accumulation rests on a combination of rigour, consistency and sound decisions. We help you put in place investment strategies suited to your profile, taking into account your risk tolerance, your horizons and your priorities.

Whether registered plans (RRSP, TFSA, etc.), non-registered portfolios or more specific solutions, we make sure your growth is structured efficiently and with discipline. The goal is to build solid wealth, able to support your future plans.

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Registered plans — RRSP, TFSA, RESP and other vehicles optimized for your profile
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Non-registered portfolio — Long-term, tax-efficient growth strategies
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Alternative solutions — Access to asset classes reserved for institutional investors
Discuss my goals
02 — Optimize

Maximize efficiency.

Tax and financial optimization
Our goal

Make the most of what you already have.

A good strategy isn’t only about accumulating — it’s also about making the most of what you already have. We analyze your overall situation to identify available optimization levers, particularly on the tax, financial and structural fronts.

This can include reviewing your investments, optimizing your income structure, making judicious use of tax vehicles, or better coordinating your various assets. Each optimization aims to improve your overall efficiency and reduce unnecessary losses.

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Tax optimization — Strategies to reduce your tax burden in a structured, legal way
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Income structure — Income splitting, corporate compensation, dividends vs salary
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Asset coordination — Synergy between investments, insurance and corporate structure
Analyze my situation
03 — Retirement

Prepare for the future.

Retirement planning
Our goal

Peace of mind — a plan that is viable, flexible and adapted.

Retirement planning is at the heart of our work. We help you build a clear vision of your financial future, establishing realistic projections and structuring your future income sources.

We consider all the elements: accumulated assets, public plans, supplementary income, taxes and drawdown. Our goal is to give you peace of mind, ensuring your plan is viable, flexible and adapted as your situation evolves.

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Realistic projections — A clear view of your long-term financial future
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Structured income sources — Coordination of public plans, RRSP, RRIF and others
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Drawdown strategy — Optimal withdrawal order to minimize taxes
Plan my retirement
04 — Protect

Secure what you have built.

Wealth protection and insurance
Our goal

A solid safety net, even when the unexpected happens.

Well-structured wealth must be protected against the unexpected. We put strategies in place to secure your financial situation and that of your loved ones.

This includes an analysis of your insurance needs (life, disability, critical illness), adapted risk management and careful thought about protecting your assets. Our approach aims to create a solid safety net, so your financial plan stays intact even when the unexpected happens.

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Life & disability insurance — Protection adapted to your income and obligations
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Critical illness — A lump sum in the event of a major diagnosis
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Asset protection — Corporate and trust structures to shelter your holdings
Assess my coverage
05 — Transfer

Transfer during your lifetime.

Transferring family wealth
Our goal

Pass the torch according to your values, at your own pace.

Transferring means choosing to pass the torch during your lifetime. We guide you through gifts, business succession and preparing the next generation, so these gestures reflect your values as much as your financial goals.

A thoughtful transfer strengthens family ties and prepares your loved ones to receive and grow what you have built, while respecting tax and legal considerations.

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Planned gifts — Transfer assets to loved ones during your lifetime, tax-efficiently
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Business succession — Prepare and structure the transfer of your company
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Preparing the next generation — Equip them to manage the wealth
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Philanthropy — Give to the causes that matter to you
Transfer during my lifetime
06 — Succession

Prepare your estate.

Estate and succession planning
Our goal

Protect your loved ones from complications when the time comes.

A concrete example — Without planning, a family cottage transferred at death can trigger a capital gains tax the estate lacks the liquidity to pay. A trust or dedicated insurance avoids a forced sale.

Your estate covers everything that must be organized for the time of your passing. A clear plan spares your loved ones difficult decisions, delays and avoidable taxes during an already trying period.

We coordinate your will, mandates and tax strategies with your legal advisors, and make sure your estate has the liquidity to honour your wishes without selling assets at the wrong time.

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Will & protection mandate — Up-to-date documents that reflect your wishes
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Orderly settlement — Simplify and speed up the process for your loved ones
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Tax at death — Reduce your estate’s final tax bill
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Estate liquidity — Dedicated insurance to avoid a forced sale of assets
Prepare my estate

Frequently asked questions about your goals

No — most of our clients pursue several goals at once. Our role is precisely to prioritize them and build a strategy where every decision serves the whole.

With the Discovery meeting, no obligation involved. Together we build a complete picture of your situation before making any recommendation. The calculators on the Client Tools page are also a good starting point.

At least once a year, and at every major life event — the sale of a business, an inheritance, a birth, a career change. Your strategy should live with you.

The first consultation is free of charge. Our compensation structure is explained with full transparency at the Discovery meeting, based on the services you choose.

Your goals deserve a plan.

A Discovery meeting with no fees and no obligation — leave with a clear picture of your situation.

Book my Discovery meeting