Our Services
1
wealth creation
Investment planning
In Canada alone, there are over 106 investment fund providers offering over 3,454 investment options. Interestingly, by comparison, the TSX (Toronto Stock Exchange) lists only about 1,561 companies. Looking outside Canada, what about US investments and International options? How do you choose the right investments?
A January 2020 article from the Economist magazine stated that housing (real estate) is the world’s biggest asset class. Conventional wisdom says that your home is your largest asset. How does real estate fit into your investment plan?
Let’s talk. We have a lot to figure out together.
Mortgage & financing planning
Over 12,430 mortgage agents are registered with the Financial Services Regulatory Authority of Ontario. Mortgage agents specialize in rentals, B lending, and languages.
The Bank of Canada has found that more people are turning to private lenders. There were 200 to 300 active alternative lenders in Canada in 2018. The most common uses for equity from refinancing include:
Investments ($23.8 billion)
Home renovation and repair ($17 billion)
Debt consolidation and repayment ($16.4 billion)
Purchases ($8.6 billion)
Other ($6.2 billion)
2
wealth preservation
Family wealth planning
We look at the wealth planning conversation through an intergenerational lens. We recognize the difference in attitudes toward wealth between Gen 1 and Gen 2 to help you plan successfully.
The wealth planning conversation is a full 360-degree exploration about what is important to you in 7 key areas of your financial life.
Business succession planning
Over the past 25 years you’ve built a successful enterprise. Now you’re thinking about retiring. Will the children want to take over the family business? What if they don’t, how will you feel about that? What would you do next? Let’s talk about navigating this complex conversation with your family.
3
wealth direction
Personal & corporate tax planning
We know it takes a very special personality to get excited about the topic of taxes. Luckily, we have these special tax professionals working for our clients. 100% of our clients are either business owners or high-income earners so we oversee an integrated tax planning conversation in our process.
Will & estate planning
80% of our clients say that the will & estate planning conversation is the most difficult one for them to have. On one hand, they get clarity on what will happen after they’re gone. On the other hand, we have to talk about the tough stuff like; them passing on and them aging. We have 3 dedicated conversations on this topic alone with a qualified legal professional.
What our clients say
“Declan cares so much, and his process and intuition add both structure and depth to our conversations. It’s not just about money; we discuss life, family, concerns, aspirations and anything else that comes up, because they are just as important to him as they are to me! Because of this, I’ve gained a better understanding of my financial situation and myself. It’s very reassuring to know that Declan and his team are looking out for us on all levels.”
— J. Allison, CFA, Ph.D.
Our 3-tiered service delivery model
Tier 1:
PANGEA Personal Financial Planning
Simplify your financial life with PANGEA Personal Financial Planning. Independent, strategy-first thinking for high-performance professionals & entrepreneurs.
Clients who receive the most value from this PANGEA offering have a household annual income between $150,000 to $250,000 and a net-worth between $1MM and $3MM.
Tier 2:
PANGEA Private Wealth Counsel
Welcome to PANGEA Private Wealth Counsel. At this life-stage you’ve likely outgrown your existing advisor and now want more creative solutions, from a team of experts who can provide quality, unbiased advice.
Clients who receive the most value from this PANGEA offering have a household annual income between $250,000 to $550,000 and a net-worth between $5MM and $20MM.
Tier 3:
PANGEA Private Family Offices
At PANGEA Private Family Offices we help global families flourish for generations. Our 360 degree wealthcare model considers both the quantitative and qualitative elements of family life.
Clients who receive the most value from this PANGEA offering have a household annual income of $1,000,000+ and a net-worth between $50MM and $100MM.
$7,500
Wealth planning engagements start at $7,500 + HST
Our planning engagements include 3 dedicated client meetings, a documented current-state assessment, a documented wealth strategy, an implementation partner evaluation and scheduled quarterly planning reviews. Also included are comprehensive financial planning services, personal financial management, tax planning, investment consulting, retirement planning, risk management & estate planning as well as management & implementation of the wealth plan.
