iA Securities & HollisWealth* are now iA Private Wealth

We are excited to introduce our new company name, iA Private Wealth. The new name is designed to better reflect the essence of what our advisors do – provide holistic wealth management solutions tailored to the unique needs and goals of investors across Canada.

Please take a few moments to browse our newly redesigned and updated website to learn about the many benefits of working with an iA Private Wealth Investment Advisor.

*Refers solely to the Investment Industry Regulatory Organization of Canada licensed advisors within HollisWealth.

Insights

Our articles, videos and webcasts can help you expand your knowledge of wealth management and stay up to date on the markets and economy.
Video

2022 Economic Outlook

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By iA Private Wealth, January 26, 2022

iA economist Sébastien Mc Mahon takes questions from Stephan Bourbonnais on the year ahead.

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Put Your 2022 Wealth Plan Into Action

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By iA Private Wealth, January 17, 2022

As we begin a new year, some people make resolutions like dropping a bad habit or exercising more often. Other common resolutions pertain to financial well-being, such as earning more money, watching credit card debt or investing regularly.

Whether or not you choose to make formal resolutions, it’s always valuable to improve your financial health. A great way to put (and keep) yourself on the right track is with a comprehensive wealth plan. A customized plan helps you navigate financial challenges so you can better prepare for the future.

Elements of a wealth plan

Working with an Investment Advisor is a good way to address all aspects of your financial circumstances in your wealth plan. Here are some key elements an advisor will cover:

  1. Set financial goals. Your short- and long-term goals will help drive the direction and composition of your wealth plan. Short-term goals might include buying a vehicle or taking a vacation. Long-term goals could be purchasing a home or putting kids through school. Whatever your goals, try to be detailed about the timeframe and how much it’ll cost to achieve them. An advisor can help you define and prioritize your objectives.
  2. Evaluate your financial situation. The ability to meet your goals depends largely on your finances. Start with a “balance sheet” that lists your assets and liabilities. Assets may include real estate, money held in bank accounts and registered accounts (e.g., RRSPs, TFSAs, pension plans, RRIFs), as well as money in non-registered investment accounts. Liabilities might include debt associated with credit cards and lines of credit, a mortgage, student loans and other obligations. A balance sheet is a snapshot of your net worth and helps your advisor develop or modify your wealth plan to manage your debts.
  3. Create a budget. With your net worth sorted out, the next step is to create a budget that will help you spend wisely. A budget considers your regular expenses, including building an emergency fund for unexpected expenses and saving for retirement. It also lists your regular sources of income to see if the cash flow can meet your expenses. If your budget shows you may encounter a shortfall, an advisor will help identify ways to cover your costs (e.g., eliminate certain discretionary expenses, save more money, earn a higher investment return, find tax efficiencies).
  4. Develop a retirement plan. For most people, their biggest long-term goal is retirement. Issues to consider include where you’ll live, life expectancy based on health and family history, desired lifestyle, projected cash flow and expenses, etc. Your advisor will evaluate these factors and construct a personalized retirement plan. Also, you may want an estate plan that reflects how you wish to distribute your assets. An estate plan encompasses a will, powers of attorney, trust designations and philanthropic pursuits such as charitable donations or setting up a scholarship/foundation that will help establish your legacy.

Benefit from professional advice

As you can see, a wealth plan has many components that will impact your financial future. You’ve also seen how an advisor plays a crucial role in creating and maintaining your plan. As circumstances change (e.g., marriage, children, job, home/business ownership), an advisor can revise your plan accordingly and ensure the investment component of your plan remains sufficient to fund life’s needs.

To help grow your wealth in 2022, contact an iA Private Wealth Investment Advisor today.

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Debt Avalanche or Snowball?

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By iA Private Wealth, January 10, 2021

It might sound like an issue specifically for winter, but deciding whether to follow the “avalanche” or “snowball” approach to tackling debt is relevant at any time of year.

If you’ve accumulated debt – something that’s more likely once the bills arrive after the holidays – trying to reduce it can seem intimidating. Where do you start? How do you limit the amount of interest you have to pay?

The avalanche and snowball approaches are proven ways to pay off consumer debt. Before we consider how each strategy works and which one may better suit your circumstances, let’s see what these strategies have in common.

For each method, make a list of all your consumer-related debts and commit to making the minimum payment, except for one. The debt balance that you’ve singled out is what you’ll target to eliminate first. Once that balance is cleared, proceed to the next balance on your list, and so on.

With that in mind, here’s how the avalanche and snowball approaches differ.

Debt avalanche: Start by making a big impact

Organize your list of debts by the interest rate that’s being charged, from highest to lowest. The primary objective of the debt avalanche method is to minimize the overall interest you pay. After making the minimum payments on all debt balances except the one with the highest interest rate, put as much money as possible toward reducing the balance on this highest-rate debt (while ensuring you still have enough to live on and can maintain an emergency fund for unexpected, urgent expenses).

As you retire that highest-rate debt, set your sights on the debt with the next highest rate, and apply the same approach of paying down as much as you can each month, until that debt is retired. As you work through your list of balances – always targeting the one with the highest rate – you’ll reduce your debt and save on interest charges.

The debt avalanche strategy may help you get out of debt sooner, but it requires consistent discipline and a steady flow of discretionary cash to put towards your balances.

Debt snowball: Get momentum on your side

Organize your list of debts by the balance owing, from the lowest-dollar balance to the highest. As with the debt avalanche approach, ensure you have sufficient money to live on and to sustain an emergency fund. After making the minimum payment on all balances, your first target will be the smallest balance on your list. Each month, apply discretionary cash to eventually pay off this smallest balance, and then do the same for your next-smallest debt.

The snowball approach focuses on systematically eliminating the number of balances outstanding. It may be good for people who enjoy the sense of achievement that comes from seeing fewer bills arrive in their mailbox or inbox. A series of small wins could help people stay motivated to repay their debts.

With the snowball method you’ll likely end up paying more interest and will take more time to eliminate your debt, but you’ll see tangible progress sooner.

Be proactive with your debt

The avalanche and snowball methods have their merits and drawbacks, but each can put you on track to eliminate debt faster. While it’s important to stay disciplined with the strategy you choose, it’s also crucial to manage future debt obligations.

Being mindful of how much money you spend – and what you spend it on – can help you evaluate your spending habits and avoid impulsive, unnecessary expenses. These expenses can quickly increase your debt balances again and potentially unwind the work you’ve done with the avalanche or snowball method. Stay focused on debt management and you’ll be in a stronger financial position over the long haul.

An iA Private Wealth Investment Advisor can help get your budget back on track for a successful 2022. Contact one today.

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Lower Your Tax Bill with Tax-Loss Selling

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By Grant White, December 03, 2021

As we approach year-end, it’s very important to think carefully about your investment portfolio from a     tax-efficiency perspective. If you have mutual funds, ETFs, stocks or bonds in a non-registered account, that means looking into whether there’s an opportunity to benefit from a strategy known as tax-loss selling.

How it works

No matter how rigorous and thorough we are when making investment decisions, some of our ideas won’t turn out as planned. But there’s a silver lining: when you sell a non-registered investment at a loss, you can use that loss to help offset any capital gains tax you owe for the current year or future years. You can also apply the loss retroactively to capital gains realized in the previous three years.

Tax-loss selling may be right for you if:

  • Holdings within your non-registered account have appreciated exceptionally well for the year and you’d like to reallocate some of your gains to other opportunities.
  • You realized gains on non-registered investments to fund a major purchase this year or within the last three years.
  • You have paper losses on investments that are unlikely to recover meaningfully or for a significant amount of time.

When tax-loss selling, it’s important to be mindful of the “superficial loss” rule, which says that once you crystalize a loss on a security, you can’t rebuy that security within 30 days if you want to retain the ability to use the loss to offset capital gains tax. The rule also specifies that if you bought the security within the 30 days prior to the sell date, you cannot use the loss to cut your capital gains tax.

The superficial loss rule also applies to what the Canada Revenue Agency refers to as “affiliated persons,” which include your spouse or common-law partner, or a corporation that you or your spouse or common-law partner controls. This means, for example, that if you sell a stock at a loss to lower your capital gains tax and your spouse buys the same stock a week later, you’re no longer able to use the loss to reduce the tax you owe.

Let’s look at a simple example to illustrate the benefits of tax-loss selling.

Case study

Lynn invested $10,000 in each of TD Bank and Peloton at the start of the year, both within her non-registered account. Year to date (as of November 23, 2021), TD has shot up 33% to $13,300, while Peloton went the other way, dropping 71.7%.

Lynn still believes in the future of Peloton but thinks it’s time to take some profits on TD, so she sells half of her position. This triggers a capital gain of $1,650, 50% of which, or $825, is subject to tax at Lynn’s marginal rate. Since she’s in the top tax bracket, that works out to a $412.50 tax bill.

The alternative is for Lynn to harvest the loss on her Peloton shares to eliminate the tax liability on her TD gains and then rebuy Peloton after the 30-day superficial loss period. To eliminate her taxable gain, she sells just over 23% of her Peloton shares ($7,170 × 23% = $1,649.10). The capital loss of $1649.10 is then used against the gain from her TD shares and leaves her with 77% of her total shares.

The right advice

The idea behind tax-loss selling may seem straightforward, but for most investors with a well-diversified portfolio, deciding when to use this strategy – and with which holdings – typically requires professional-level judgment.

For example, you may have multiple holdings that stand out as candidates for profit-taking, but in the absence of in-depth analysis it may not be clear which ones still have meaningful upside potential and which ones are likely running out of gas and therefore worth selling off.

Thinking through considerations like this and crafting a strategy that optimizes both your portfolio’s performance potential and your tax situation is best left to an experienced advisor with intimate knowledge of your investments as well as your short- and long-term goals.

Grant White, CIM®, CFP® is a Portfolio Manager & Investment Advisor with Endeavour Wealth Management | iA Private Wealth in Winnipeg, Manitoba. He can be reached at (204) 515-3440 or grant.white@endeavourwealth.ca

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Spend Wisely During the Holidays

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By iA Private Wealth, December 06, 2021

Most people look forward to the holiday season because it’s a time to shift focus from work to family and friends. Whether the holiday gatherings are in-person, virtual or a combination, it’s nice to reconnect with loved ones in a festive setting.

It’s also traditionally a time to exchange gifts, which most children – and children at heart! – anticipate well in advance of the season. If managing your bills after the holidays is a regular challenge, there are ways to keep costs reasonable while still joining in the fun.

A budget is your spending roadmap

First, create a budget for your holiday spending. Although few people enjoy going through the process of listing what gifts they plan to buy and how much money is assigned to each gift, having a budget is a practical way to keep spending under control.

If your budget starts looking tight relative to the money available, consider how to cut discretionary costs as a way to compensate. For example, if you usually buy coffee, use ride-sharing services for nearby trips or treat yourself to restaurant meals, you can brew your own beverages, walk or use public transit, and cook more often. You might even find you’re able to sustain these spending adjustments permanently! Once you’ve set a realistic budget, do everything in your power to stay within it.

Resist the temptation to overextend on credit

If you promptly pay your bills every month, credit cards are a good way to make purchases without fronting the cash. However, many people find it easy to spend using credit and then are shocked once the bloated card statements arrive.

The budget you create will cover your holiday spending, whether you use cash, credit cards or debit cards. It’s tempting to shop without keeping in mind that you’ll have to pay for your purchases at some point, and with credit cards the interest charges will add up quickly, which means more debt and more time required to pay it off. Debit cards may be preferable since you need enough money in your account to cover your expenses, so you won’t risk building more debt.

Be creative with gift giving

Many people enjoy creating their own gifts, and the recipient often treasures these homemade presents because they know how much thought and effort went into them. Think about what each person really wants or needs, and then consider if it’s something you can make. Not only does the process let you flex your creative muscles, but you’ll also save money. Buying gifts this holiday season could be more expensive than usual since higher inflation has raised costs significantly.

If you’re looking for other budget-conscious ideas, how about the gift of time? The busy people on your list may appreciate offers like free babysitting, being invited for a nice meal or relaxing at your place with popcorn and a movie. “Experience gifts” are also gaining popularity, so consider things like organizing a family hike somewhere fun that ends with hot chocolate and sweet treats, or taking a short trip with plenty of low-cost (or no-cost) activities booked.

Remember others in need

It’s easy to get caught up in the holidays and lose sight of less-fortunate people who may not be in a position to enjoy the season. Consider taking some time from your hectic schedule to volunteer at vital places like a shelter or food bank, or participate in a holiday gift-giving initiative. You may also wish to donate money or small items to organizations that provide presents for children and families in need. You’ll feel good about helping out and your efforts will reflect the true spirit of the season.

A trusted Investment Advisor can help you create a manageable and practical budget this holiday season. Find an advisor near you.

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The Building Blocks of Financial Literacy

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By iA Private Wealth, November 10, 2021

November is Financial Literacy Month. It’s a great initiative, but in reality, every month is a good time to learn about personal finances. As you gain more knowledge, you’ll become a better saver, spender, consumer and investor.

Being financially literate touches almost every aspect of life. This article will consider some of the basics, giving you a foundation in case you wish to learn more about topics that are most relevant to you.

It can pay to shop

The world of financial products is more complex than ever, given the growth of online platforms. With so many financial institutions and so many products to consider, it can be overwhelming.

Before making a decision, shop around and weigh your options. Let’s say you want to open a bank account. Conduct an online search and learn what services each bank provides and what features each account type offers. Do you require a physical branch nearby, or will you do most of your banking virtually? Based on your circumstances, determine which account best meets your needs.

Similarly, credit cards come in all shapes and sizes, so shopping around can help you find the card with the features, rewards, fees and interest rates that work for you. Shopping around for the right mortgage is also crucial because purchasing a home is a major long-term financial commitment. Since mortgage rates and conditions vary by institution, careful shopping can make a big difference over the long run.

Know your rights and responsibilities

To satisfy regulatory requirements, financial institutions use clear, plain language in their contracts and other documents. For instance, banks provide easily understood information about their credit products, while investment managers publish materials like a Simplified Prospectus and Fund Facts document that highlight a product’s key features and risks. You should read these materials before signing any agreement, as understanding all terms and conditions will ensure you know what you’re getting into.

If your financial institution experiences insolvency, there are safeguards to help protect your money. For example, the Canadian Investor Protection Fund (CIPF) provides clients with limited protection for assets held by investment dealers that are CIPF members. Similarly, the Canada Deposit Insurance Corporation (CDIC) provides limited protection for eligible deposits held at CDIC members, such as banks, credit unions and trust companies.

Watch for scams

Protecting assets is the responsibility of every individual. Fraud and cybercrime are on the rise, targeting those who are vulnerable or careless. Scammers may call, email or text you, posing as a someone from a recognizable company or government agency. They often use aggressive tactics and threats that pressure you to provide banking or credit card information. If you question the identity of someone claiming to represent a legitimate organization, get their name/contact details and call the organization to confirm.

The Financial Consumer Agency of Canada (FCAC) ensures that federally regulated financial organizations comply with the appropriate measures to protect consumers. The FCAC also provides information to help you understand consumer rights and responsibilities, as well as how you can spot and avoid scams.

Understanding investment products

Everyone wants to build wealth for the future, but there are many investment products to choose from – and some are highly complex. Your advisor can help you choose products that best match your investment objectives, time horizon and risk tolerance.

If you don’t have an advisor, do your research as there are many options. Some people try investing on their own, but usually lack the necessary time and expertise. Others may use “robo advisors” that offer lower fees but typically provide limited services. For most investors, it makes sense to work with a professionally accredited advisor – one who offers personalized advice that can help them stay on track to meet their long-term financial objectives.

An iA Private Wealth Investment Advisor can help you navigate the financial marketplace as you work to achieve your wealth goals. Speak with one today.

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5 Tips for Managing Your Expenses

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By iA Private Wealth, November 01, 2021

Are you looking for ways to keep expenses under control so you can improve your financial situation? That’s an important step toward achieving your objectives, since reducing debt and growing your savings will help you build wealth for the future. Managing finances has become more complex than ever, so the challenge for many people is taking the first step. Here are five actions to help you get started.

  1. Create a wealth plan. You want to reach certain goals and a comprehensive plan can help you get there. A professionally developed wealth plan will account for your unique circumstances, objectives, time horizon and risk tolerance. It can help you save and invest wisely, manage debt obligations and take advantage of tax-efficient vehicles to keep more money in your pocket. Also, it can adapt to changing circumstances so your plan can remain relevant at any life stage. A wealth plan keeps you on track to achieve your goals, helping you gain confidence and peace of mind. But creating a wealth plan requires a significant amount of training and skill, so it’s best to seek the help of a qualified advisor.
  2. Maintain a budget. A key aspect of wealth planning is setting a budget. Basically, a budget tracks your sources of income and your expenses over a given time period (typically monthly). Once you know how much money comes in and goes out, you can assess your financial health and make adjustments to strengthen your finances. For instance, if expenditures are higher than anticipated, look at your different expenses and determine which ones are essential (e.g., food, rent or mortgage payments) and which are “wants” (e.g., restaurant meals, new gaming system). Maintaining a regular budget will provide an ongoing snapshot of how well you’re managing money and where improvements might be possible.
  3. Consolidate your debt. Carrying debt is often unavoidable, as many people have mortgages, credit card balances, etc. An advisor can review your various debt obligations, working with you and your financial institution(s) to see if it’s advantageous to consolidate debt into one relatively lower-rate loan or line of credit. Doing so could help you pay off debts with high interest rates that may be unnecessarily eroding your wealth. Consolidating debt can streamline your finances since you only need to track one monthly payment instead of several. You might also consider contacting your financial institution(s) and negotiating a lower interest rate – it doesn’t hurt to ask or explore other institutions that may charge a lower rate.
  4. Commit to saving. Reducing your debt is important, but the flipside is increasing your savings. One common trick is to “pay yourself first” by taking a certain amount (e.g., 10%) of your monthly income and automatically depositing it into an interest-bearing account or investment plan. It’s tempting to spend money that’s readily available, so devoting some income to a regular saving or investment routine will keep you disciplined – chances are, you won’t even miss the money being saved. Another important part of saving is putting away money for emergencies (e.g., employment loss, major repairs/renovations, serious illness, etc.). Life is filled with unexpected situations that may require immediate access to cash, so an emergency fund (general rule of thumb is a minimum three months of household expenses) becomes essential.
  5. Make use of technology. Advances in technology can greatly improve your finances. To compare institutions and products to see which ones offer the best rates/prices or the features you need, simply conduct an online search. There are also financial-related apps that may enhance your banking experience, help you save or invest, find an appropriate mortgage or insurance policy, keep your finances secure from cybercrime, create a budget to help you track your income and expenses, and much more. Search online for financial apps that interest you, and then read reviews and conduct other research to determine which apps are most suitable for you. Your advisor may also have insights into how financial technology can work well for your circumstances.

An iA Private Wealth Investment Advisor can help you get and stay on track so you can reach your unique wealth goals. Speak with one today.

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Marketing Your Small Business

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By iA Private Wealth, October 04, 2021

Having a strong brand identity is one of the best ways you can differentiate your business from the competition. Whether it’s new or established, every business can benefit from effective marketing to enhance brand awareness and generate strong leads.

Marketing a small business takes commitment and persistence, but it doesn’t need to be onerous and you won’t need an outsized budget. Also, today’s online technological capabilities can make brand marketing very accessible and highly effective.

Here are five basic tips to help you build a solid plan to market your small business:

  1. Define your audience. Most small businesses are not geared to everyone, so identify your target audience. It’s useful to create sample profiles (known as “personas”) of the types of clients you want to attract. A persona will capture details like age group, job type, income, location, objectives, challenges, how someone likes to be engaged by a business, etc. Once that’s done, you can better understand your typical client (e.g., what they need, why they need it) and customize your marketing efforts so you can resonate with your niche audience.
  2. Define your value proposition. You might know your products or services are better than the competition, but your potential clients may not. That’s why it helps to create a value proposition highlighting how you can meet your clients’ needs and why they should choose you (e.g., maybe you’re faster and less expensive, or offer superior personalized service). Think about your business in relation to others in your field, and clearly articulate specific points of differentiation and reasons why you provide better value.
  3. Leverage referrals.It’s powerful when your clients are “brand ambassadors” and spread the word about why they like your business. Referrals are a lifeline for business growth as many people would rather interact with a business their family or friends recommend than seek out a company blindly. Satisfied clients typically won’t mind referring you when one of their contacts needs your products or services. Some may leave positive online reviews about your business or be receptive to being quoted in your marketing materials – just be sure to explain how you intend to use their testimonial and let them see the quote first, in case they want to make revisions.
  4. Leverage social media. Business owners often turn to digital marketing to promote their business and brand. They maintain a professional-looking website that makes it easy to learn who they are, what they offer and how to conduct business with them. They also utilize social media to deliver their message and connect with clients and prospects, perhaps offering tips or information related to their business, and then linking to their website so people can find out more. You may also consider advertising on social media channels to raise awareness and engagement. Whatever social media strategies you choose, track their effectiveness in driving interest and growth, and focus on the ones best suited for your business.
  5. Use automation tools. As your online presence gains more visibility, you’ll want to engage further and turn prospects into clients. For example, automation tools can collect email addresses and other valuable details from people who visit your website. Then you can send promotions or offers that may spark greater interest in your business. Just be sure that all of your email marketing activities fully comply with CASL – Canada’s anti-spam legislation, as the penalties for non-compliance are quite stiff. You can also use automation tools to segment email campaigns (e.g., an email may target a certain region or people who display interest in a specific service or product). Online analytics tools will track traffic on your website and tell you what content is most popular and pertinent. Knowing what attracts clients and prospects helps you refine your marketing strategy so it better aligns with people’s interests and needs.

There’s more to marketing your small business and brand, but these five tips provide a solid foundation to build upon. If you want more help, reach out to professionals who can support your marketing needs. Your contacts may recommend experts they’ve had a good experience with.

For more insight on how to grow your small business, speak with an iA Private Wealth Investment Advisor today.

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Small Business Owners: Partner with a Trusted Advisor

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By iA Private Wealth, September 30, 2021

While operating a small business is challenging, it can also be highly rewarding and provide business owners with autonomy as they pursue their passion. That’s why they invest so much time, effort and money into running their businesses.

However, without a comprehensive wealth plan, your small business may not reach its potential – even if it’s generating significant revenue.

Benefit from professional advice

Fortunately, an Investment Advisor can help build and maintain a sound plan that considers the complexities of your business and how it fits into your overall financial circumstances. An advisor can help your business be more efficient and profitable by assessing all your income sources and expenses. Equipped with that information, an advisor may uncover strategies for earning more and spending less, paving the way for growth.

Professional advice can help you address day-to-day business finances. For instance, business owners need steady cash flow to meet operating costs, cover wages, ensure adequate inventory and pay product/service providers. An advisor can also offer guidance concerning tax obligations and help you manage your business finances in a tax-efficient manner.

Invest wisely

While it’s satisfying to generate healthy business income and profit, it’s equally important to invest for the future, including retirement. That’s another area where Investment Advisors deliver meaningful value. Advisors consider your professional and personal financial situation, including short- and long-term needs and goals, and then evaluate whether you’re on track. Your advisor will help you invest according to your financial objectives, risk tolerance and time horizon. A concrete wealth plan keeps you focused and disciplined, empowering you to invest regularly and stay invested – even when markets experience occasional periods of volatility.

Plan for the future

While Investment Advisors encourage saving and investing for retirement, another key aspect of wealth planning is creating a viable succession plan. Eventually you’ll need to transfer ownership of your business. With a strong succession plan – ideally as part of an estate plan that your advisor may help create – you can maintain business continuity while gaining the peace of mind that comes with establishing your future financial well-being. A good succession plan provides clarity to your heirs regarding how (and to whom) you intend to transfer your business.

Choosing an advisor

There are many benefits of working with an advisor, but it’s crucial to select one who’s right for you. During your search, find out if a candidate has experience with small business owners, since this background will be useful when addressing your financial needs.

The advisor-client partnership is built on trust and a long-term commitment to the process. To determine if your personalities mesh well, interview each candidate and request references, preferably from other business owners. Also inquire about an advisor’s employment history, such as where they’ve worked, years in the financial industry and field of practice. You’ll want to know about their professional and academic designations as well (e.g., CFA®, MBA, CFP®, CIM®).

Another important question pertains to compensation. Some Investment Advisors earn commission for each transaction – like a stock or mutual fund trade – while many are compensated based on a percentage of the assets under administration. There are other ways to be compensated, so find an advisor whose compensation model suits your service requirements.

It’s also useful to ask about their professional network. While Investment Advisors offer a range of capabilities, your circumstances as a small business owner may call for specific knowledge in other areas. For instance, your advisor may engage the services of external collaborators* such as accountants, lawyers and insurance professionals. Consider your Investment Advisor as the “quarterback” of the team, overseeing your comprehensive wealth plan and bringing in others when needed.

You can’t be an expert at everything. Just as you understand your business and industry, an Investment Advisor has deep knowledge of finances. By delegating complicated financial matters to your trusted advisory team, you can concentrate on running and growing your business.

An iA Private Wealth Investment Advisor can help your business succeed. Speak with one today.