Our Services
We understand how overwhelming it can feel to stay on top of your personal finances, career or business development, taxes, cashflow, education planning, retirement, and overall financial structure – all while trying to balance family needs, work or business obligations, while potentially caring for dependents or aging parents .​
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At LTCI Consulting, we help take the pressure off by developing a clear, integrated plan to secure your financial future and make the most of your hard-earned success. We provide guidance and support in the following areas:
Financial Planning
Clarity and confidence are the foundation of all comprehensive financial plans. We start with the most important part first, you. We learn about your goals and objectives first. We review your tax efficiency, cashflow structure, debt, estate structure, business structure, and investment allocation, to compile a holistic foundation plan. This data is crucial for identifying the opportunities and strategies, which can play a vital role in determining the feasibility, execution, and success of your wealth accumulation, family continuity, and financial clarity.
Cash Flow Planning
Cash Flow planning is the beginning of most of our planning. We aim to simplify your approach to finances and identify how much money you can allocate to your future goals without sacrificing lifestyle. Often, it's a series of small tweaks that can make a big impact in your goals and objectives.
Tax Planning
"Beware of small expenses; a small leak will sink a great ship" - Benjamin Franklin
Many people do not realize the financial hole in their plan, is tax planning. This is a crucial element because most financial decisions typically come with tax implications. We prioritize minimizing tax liabilities both in the present and for future generational planning.
Risk Management
Many people mistakenly believe that their greatest assets are their home, cottage or car they drive, when in reality, your ability to be healthy and earn an income is your greatest asset. Risk management is about protecting yourself and loved ones in the event of death, disability or a health crisis. Proper risk planning can help to relieve the financial burden of extra costs, giving you and your family the freedom to focus on what truly matters.
Retirement Planning
Knowing at what age you can retire comfortably and with how much income you retire with is an important component in financial planning. We identify what you are currently on track for and work with you to improve your situation through our planning services.
Estate Planning
Having an “estate” may sound like its only reserved for the rich and famous, but if you have any assets such as money, a house, car, bank account or other possessions, you likely have one.
Estate planning is important in your 20’s, 90’s and every age in between. Priorities and circumstances will change over the years and this is why your estate plan should be reviewed periodically; every 3-5 years is usually sufficient unless a major event occurs (birth, death, marriage, divorce etc.) So, if you have an estate, no matter how simple or complex, it only makes sense to have an estate plan to ensure these assets are dispersed in accordance with your wishes.
