OUR SERVICES
THE A.F.T. EXPERIENCE
MORE THAN JUST PORTFOLIO MANAGEMENT
At A.F.T., we believe our clients deserve more than just a portfolio. They deserve a complete wealth management experience rooted in Accountability, Tax Planning, and Financial Planning, the three pillars that define who we are.
Our services aren’t add-ons or extras. They’re simply how we care for our clients, every day, with consistency and clarity.
ACCOUNTABILITY
​Helping you stay informed, supported, and confident.
1
Comprehensive Reporting:
Clients receive monthly statements (quarterly, if no activity in the previous period) directly from our custodian, and we provide a custom annual report summarizing portfolio performance and key insights, so you always have a clear view of your financial progress.
2
Regular Portfolio Reviews:
We are available for in-person or virtual meetings at your convenience. Whether you have questions or simply want a touchpoint, our team is here when you need us.
3
Quarterly Newsletters:
Our newsletter keeps you informed of AFT’s overall portfolio strategy, evolving market perspectives, and timely financial planning topics, written to provide clarity and value.
TAX PLANNING
Integrating smart tax strategies into every investment decision.
1
Proactive Tax Review:
We routinely review clients’ tax returns and financial documents to identify opportunities to reduce tax liabilities and optimize after-tax outcomes.
2
Account Optimization:
Investment allocations are carefully structured to align with the specific tax treatment of each account type (e.g., TFSA, RRSP, RESP, non-registered) for maximum efficiency.
3
CRA Remittance Services:
We handle your quarterly and annual tax payments directly with the CRA, so you can stay focused on life, or your next vacation, without the paperwork.
4
Tax Preparer Liaison:
We coordinate directly with your tax team, including delivery of April tax slips, support with capital dispositions, and year-round tax planning assistance.
FINANCIAL PLANNING
A strategic, personalized plan built around your life and goals.
1
Modular Financial Planning:
Different life stages bring different financial challenges. As a founding Certified Financial Planner (CFP), Fellow of the Financial Planning Standards Council of Canada (FP Canada), and former national Director, Don offers expert guidance tailored to your current chapter.
2
Formal Financial Planning:
When it’s time to look 30 years ahead, we help you build a comprehensive financial roadmap to forecast your future with confidence.
3
Government Benefit & Pension Consulting:
We offer guidance on Old Age Security (OAS), the Canada Pension Plan (CPP), and private pension plans, helping you understand your entitlements, explore your options, and see how they fit into your overall retirement strategy.
4
Integrated Portfolio Construction:
Your portfolio is designed around your financial plan and rebalanced monthly, proactively adjusting for your cash flow needs, market conditions, evolving goals, and major life events.
LEGACY & ESTATE STRATEGY
With a global Trust and Estate Practitioner (TEP) designation in-house, we bring the experience and insight needed to help you navigate the complexities of estate planning. Whether you're thinking about your legacy, planning charitable giving, or structuring trusts, we ensure your intentions are carried out thoughtfully and strategically.
Our estate and legacy services include:
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Estate planning and structuring
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Philanthropic and charitable giving (during life or posthumously)
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Will and inheritance advisory
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Trust design and implementation