About meIf you looking for an experienced independent advisor to help propose and implement financial solutions so that you can dedicate time spent on your finances towards your family, business, travel or other passions, you have come to the right place.
I am a 27-year veteran of the financial service industry working as a representative in group savings plans and as a financial security advisor at IG Wealth Management, one of the oldest and most prolific financial planning and investment firms in Canada.
I specialize in helping professionals, business owners and retirees find solutions that are tailored to their individual financial needs. This includes ensuring their estate preservation goals are properly set up, that they are receiving tax preferred income wherever possible and that they enjoy the comfort of having some “guaranteed” investments in their portfolios.
If you looking for an experienced independent advisor to help propose and implement financial solutions so that you can dedicate time spent on your finances towards your family, business, travel or other passions, you have come to the right place.
I am a 27-year veteran of the financial service industry working as a representative in group savings plans and as a financial security advisor at IG Wealth Management, one of the oldest and most prolific financial planning and investment firms in Canada.
I specialize in helping professionals, business owners and retirees find solutions that are tailored to their individual financial needs. This includes ensuring their estate preservation goals are properly set up, that they are receiving tax preferred income wherever possible and that they enjoy the comfort of having some “guaranteed” investments in their portfolios.
Howard Yancovitch
Financial Security Advisor, Mutual Funds Representative
Investors Group Financial Services Inc., Financial Services Firm
Seven examples where my expertise can make a huge difference in our client’s lives include;
- Helping incorporated professionals and business owners supercharge their retirement plan so they have the opportunity to retire early and in comfort. Best of all, we get their corporation to pay for the plan.
- Showing how to potentially avoid “clawbacks” of their OAS pension through investments by focusing on “return of capital.” This can also result in a tax holiday of up to 20 years as well.
- Deferring capital gains tax on investor’s mutual funds, which allows them to keep their profits working for them while continuing to benefit from compound growth within their portfolios.
- Giving people piece of mind by using a specific “guaranteed” investment to help with estate planning. Not only can it provide ‘creditor protection’, but it can also help people in Ontario to bypass probate, saving them thousands in fees, as well as drastically reducing the time it takes for their heirs to have access to their assets upon their passing.
- Reviewing their ever changing insurance needs to ensure they have the right “type” of policy and the proper amount of coverage, based on their goals and future expectations. and goals for It is an especially vital tool for those wanting to leave a business or investment (property) to an heir intact, without them having to sell it to pay the capital gains tax that will be owed.
- Introduce them to living benefit solutions such as Critical Illness Coverage for themselves, their children and grandchildren, and Long-Term Care. These products help protect against deteriorating health and can save or provide clients with thousands of dollars to aid their recovery or reduce their financial burden should they become ill.
- Ensuring our clients all have access to a written financial plan, so they can see if they are on track to meet their financial goals or determine what changes have to be made to make it happen. This includes a review of both their investments and insurance plans, and a discussion about Critical Illness and Long-Term Care which are often missing in many people’s plans.
Our Services
About
What We Do
Networking
About Us
I have been married for 33 years and have two adult children. One son is a practicing psychiatrist in New York and the other is working in the insurance industry.
I graduated McGill in 1983 and as a hobby, wrote a bowling column for three different Montreal newspapers. I had a management position in retail, before embarking on a career in the financial service industry over twenty-three years ago.
I enjoy ball hockey, golf, bowling, and tennis.. I am very competitive in everything I do, be it for my family, my friends or my clients. My greatest pleasure is in helping my clients understand their financial situation and what it will take for them to achieve their goals. This knowledge provides them with sufficient confidence that they do not let market fluctuations derail their plans. In fact, they have grown to view market declines as an opportunity to “buy low and sell high.” My greatest achievement is the referrals I receive from my clients, as it represents their confidence, trust and appreciation of a job well done.
What We Do
Our role as an advisor is to protect our clients’ assets, health and families, from things such as inflation, volatility, illness, longevity (outliving their money) and untimely death. Through an introductory meeting, we focus on listening to our clients concerns. W determine their goals and acquire an accurate picture of their financial status.
Once content that we are all on the same page, our priority is to educate our clients, provide them with financial options, help them to prioritize their financial goals and present a comprehensive plan for achieving success. This is followed by the implementation of one or more financial solutions which are designed to ensure that their dreams for their children, spouse, business, practice and retirement are achieved.
Finally, we monitor new product offerings and make sure we keep abreast of changes in both the market and legislation, as they could significantly impact the best laid plans. Monitoring one’s performance through “on-line” account access, taking advantage of annual reviews and “re-balancing”, are important ways we can ensure our plan is properly maintained.
Networking
Since no-one can be an expert in everything, we have surrounded ourselves with several accomplished professionals in the fields of accounting, law, banking and mortgages. If I can use a sporting analogy, I view my clients as the “star players”. My role, as the “general manager” of the team, is to surround my stars with players who will both protect them from harm, while enabling them to shine.
An example of the type of associates I keep is Lorne Schecter, of LES Financial Services. Lorne has over 26 years of experience as a life insurance broker and is servicing an astounding 4000+ physicians throughout North America. Lorne is clearly one of the largest and most respected Disability Insurance specialists in Canada, helping professionals, business owners and lay people, protect their incomes and their futures.
Meet The Team
Financial Security Advisor
Advisor in group insurance
and group-annuity plans
Mutual Fund Representative with
Investia Financial Services Inc.
