Exercise for Ageing Muscles

Let’s view health for what it really is: taking care of body and mind over the long-term, so it can take care of you.

Majority of Small Business Owners Nearing Retirement

As small business owners retire, the effects will be felt in communities across Canada, impacting their families, society, and the economy. According to the latest analysis by Barlow Research, the average small business owner is just over 60 years of age, and almost 40 per cent are 65 years or older – a percentage that […]

The Role of a Liquidator

Most Canadians have heard the term executor; it is synonymous with the Quebec term liquidator. But many remain unclear as to the exact responsibilities and limitations of a liquidator. Simply put, the liquidator handles a deceased person’s estate. The liquidator has to manage bank accounts and assets, distribute these to the deceased’s heirs, and file […]

Early Inheritance

Often overlooked is the possibility of sharing that wealth early, when children might need it more. There are 3 key issues to consider.

Financial planning

According to the most recent data available from Statistics Canada, approximately 465,000 Canadian families are blended, meaning one or both parents have children from a previous relationship. The portrait of a typical Canadian family is changing rapidly, especially in Quebec, where couples are less likely to marry than elsewhere in the country and where blended […]

Summer Adventures in Quebec

While we preach diversification of assets for your investments, the current value of our loonie encourages domestic, localized spending. After a winter season that seemed to drag on interminably, we thought we’d offer some vacation planning ideas to help you get the biggest bang for your hard-earned bucks. Spanning almost 1 600 000 km squared, […]

A Powerful Tool to Minimize Tax

What is a trust? Estate and trust planning is fundamental to the work we perform on behalf of the clients of TWM Group. Traditionally deployed as a way to minimize estate taxes, an astutely designed trust delivers several additional advantages in the context of a coherent estate plan. Fundamentally, a trust is a fiduciary device […]

Elements of a Plan

Succession planning does not take place in isolation from the larger issue of your overall financial security. An effective succession plan will examine all aspects of your financial situation. This includes: A) Distribution of Ownership If transferring ownership of your business, a shareholder agreement is a key tool that should be considered.

Six Steps for Building a Financial Plan for Ageing Parents

We have touched on the issue of caring for ageing parents in the past, but we’re revisiting it again because – for many if not most of us – it remains an inescapable fact of life. In a recent issue of Time magazine, writer Christopher Mathews offered some invaluable insights about the six basic financial […]

Helping Aging Parents Look After Themselves

Aging parents – distressing though it is to recognize – inevitably face declining capacities over which they have diminishing control. As a result, many of us are confronted with the unenviable task of managing the wealth, health and overall wellbeing of parents who can no longer adequately look after themselves. Before things take a turn […]

Invest with TWM Group

Our clients and their families typically have a net worth of $2M or more. If you have an amount under the minimum, we still invite you to get in touch with us to discuss your options.

*Please note that TWM Group does not provide investment advice nor do we solicit or share personal information through public forums or platforms such as social media. Please communicate with us only through official channels like email, the client portal or your portfolio manager.