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Our Services

Helping maintain your financial independence.

Services With a Hands-on Approach

We are uniquely positioned to develop a comprehensive plan that translates your long-term dreams and goals into a tangible financial roadmap.

A wide range of financial products and solutions.

Full fee transparency and disclosure so you can gauge value.

Customized investment planning based on in-depth research and analysis.

Timely execution of trades that capitalize on market opportunities.

24/7 access to your accounts through the iA Private Wealth online portal.

Financial Planning

Why financial planning?

Everyone needs a plan. At Clear Sky, we begin by understanding your current circumstances and future aspirations. We then craft a personalized plan to bridge that gap, helping you determine necessary savings, sustainable spending and optimal retirement timing.

Flexible scenarios

Life has a habit of throwing you curveballs and our plans reflect that. We incorporate multiple scenarios to address your unique “what ifs,” such as investing in a rental property, buying a vacation home or downsizing your current residence.

Goal grading

Our plans provide clear, easy-to-understand grades for each of your goals, so you can see at a glance whether you’re on track to achieve them.

CPP and OAS guidance

Navigating pension options isn’t always straightforward. We help you understand the trade-offs of taking your pension earlier or later, providing insights beyond simple calculators.

Continuous monitoring

We don’t stop at planning. We prepare regular report cards to compare actual outcomes with your plan’s assumptions, ensuring you stay on your chosen path.

Decumulation Planning

You just retired . . . where do you start?

Decumulating your investments for your retirement years in a tax-efficient manner is as crucial as building your nest egg. Our decumulation analysis evaluates the tax trade-offs to your estate, helping you navigate potential outcomes and choose the approach that fits your financial goals.

Start your retirement with confidence by partnering with us for strategic and personalized decumulation planning.

Visual analysis

When decision-making is especially complex, we provide advanced tools that help you visualize how tax savings today might lead to increased taxes in the future. This empowers you to select the path that’s right for you.

Insurance*

At Clear Sky, we help you assess the financial impact of unexpected events like death or disability. Our goal is to establish coverage that limits your risk while balancing the costs involved, ensuring peace of mind for you and your loved ones.

Count on us to navigate the complexities of insurance with you and secure a more confident financial future.

*Insurance products and services are offered through Clear Sky Private Wealth Inc., an independent and separate company from iA Private Wealth Inc. Only products and services offered through iA Private Wealth Inc. are covered by the Canadian Investor Protection Fund.

Insurance products

Life Insurance

Ensure your beneficiaries are financially protected with the right level of coverage.

Critical Illness Insurance

Access the necessary funds to care for yourself in case of an unforeseen diagnosis.

Long-Term Disability Insurance

Maintain your lifestyle with a steady income if you’re unable to work.

Travel Insurance

Stay protected while you explore the world.

Tax Planning

How can tax planning maximize your wealth?

At Clear Sky, we continually evaluate your investment mix to ensure you benefit from all available tax programs. Whether it’s RRSPs vs. TFSAs, locking vs. unlocking your LIRA, choosing between monthly pension or commuted value, or deciding on sole proprietorship vs. incorporation, we include thorough tax analysis in our advice to optimize your financial outcomes.

For more information on how we can assist with your tax planning needs, please visit our website.

Expert tax guidance

Steve Ambeault, a Chartered Accountant trained in tax at KPMG LLP and a graduate of the Canadian Institute of Chartered Accountants In-Depth Tax Course, leads our tax strategy efforts.

Visual analysis

For complex decisions, we provide tools that help you visualize your choices and their future impacts, ensuring you can confidently select the path that’s right for you.

Estate Planning

Need a better understanding of your estate planning options?

Estate planning with Clear Sky goes beyond tax minimization. Our goal is to ease the burden on your trustees and ensure your assets are divided quickly and according to your wishes. We consider early gifting, joint title and beneficiary designations alongside wills, directives and powers of attorney to create a seamless and efficient estate plan.

Ensure your legacy is handled with care and precision with our comprehensive estate planning services.

Support for executors

Are you an executor? We assist not only with managing your own estate but also helping executors navigate their responsibilities and understand potential tax requirements.