We are committed to helping affluent professionals manage the complex and evolving needs of their wealth.   Whether you are recently retired or have a growing business, we take a holistic approach to your overall financial well-being. Our clients and their families are at the heart of everything we do, every day.

We have helped clients across a range of needs and goals that include:

 

 

Engineers and Technologists

Risk mitigation is ingrained in the DNA of engineers and technologists, and our expertise lies in identifying and navigating potential shortfalls. We're not just financial planners, we're wealth engineers. Meticulously constructing your financial future, we leverage data-driven insights and cutting-edge tools to craft a financial plan that aligns perfectly with your asperations.

Your financial journey deserves a partner that not only understands the intracacies of your profession, but also shares in your forward thinking mindset. As you shape the future, let us engineer a financial strategy that converts your career success into financial independence.

Bay & Associates consults with senior partners, young professionals, technologists, and staff in all areas of corporate and personal finances. We have been partnered with the ACEC-BC since 2001 where we provide member firms with our financial planning expertise. If your member firm would like us to present our financial literacy lunch and learn program, email us at bay.associates@igpwm.ca. 

 

 

 

 

Business Owners and Incorporated Professionals

We work with business owners and incorporated professionals across a range of industries to create and protect value in your business. Building wealth goes beyond running a strong balance sheet and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside your business.

We can guide you in creating:

  • a succession plan to help ensure you get the return on your life investment you deserve
  • a holding company, a life insurance policy, and other tools to limit your tax liability 
  • a well-diversified investment portfolio outside the business that can continue to generate income long after you have sold or moved on from your life as a business owner
  • tax minimization techniques that consider retirement planning and succession, cash flow management, estate planning, and investments.

For businesses with annual sales between $20 million and $500 million, IG Private Company Advisory provides strategic and transaction advisory services. Discover how we can help unlock your company's potential.

 

 

 

Affluent Pre-retirees and Retirees

You may have spent your working life accumulating wealth. Now you are getting ready to move to the next phase. This will involve a fundamental change in how you view and manage your wealth.  While looking at ways to increase it, you are now also looking at ways to protect it to maintain your lifestyle and leave a legacy. The next stage of your life will be different.  

We can help you address several realities:

  • You may live longer than you expect, and maintaining your lifestyle could become a challenge
  • Managing your tax bill is even more critical to protecting your assets over time
  • The strategies for creating a tax-efficient, life-long income are different
  • Reducing your tax bill by taking advantage of retirement, health savings, and educational savings accounts while still putting money aside for your and your family’s current and future use.

We are here to listen and help you look forward to a long and comfortable retirement.