Whether you're a business owner or a high net worth individual in St. John's or anywhere in Newfoundland & Labrador, our financial planning team has the expertise to craft strategies that unlock your financial freedom. We're dedicated to guiding you through your wealth journey, allowing you to enjoy life while we handle the financial details. We have helped clients across a range of needs and goals that include:
-
Fishers
-
The fishing sector is unique, as are your financial planning needs. At Dawson & Associates, we recognize the realities you face in operating your fishing enterprise.
-
Pre-retirees and Retirees
-
You may have spent your working life accumulating wealth. Now you are getting ready to move to the next phase. Retirement involves a fundamental change in how you view and manage your finances. While looking at ways to increase your wealth, you are now also working to protect it, maintain your lifestyle, and leave a legacy. This next stage of your life will be different.
We are here to listen and help you look forward to a long and comfortable retirement. 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.
- Your ability to leave a legacy depends on a well thought-out plan.
-
Business Owners and Entrepreneurs
-
We work with business owners and entrepreneurs who have spent years and even lifetimes building their business. Whether you are just starting out or have an established business, we can help you maintain your lifestyle now and throughout your retirement. 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. As fellow business owners, we understand your needs and are here to help.
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.
-
Executives
-
If you are an executive who has spent a good part of your life building a successful career, you may be surprised at how quickly the complexity of your tax bill, investment portfolio and compensation structure has grown. To help secure a robust future to help you live on your terms, there are several important factors to consider. They include:
- Looking to the long term and how you will use your wealth down the road.
- Reducing your tax bill by taking advantage of retirement, health savings, and educational savings accounts.
- Putting money aside for your and your family’s current and future use.
- Being realistic by planning for an early retirement. The challenges of an executive position (including business travel, long hours, and other stresses) may lead you to consider retiring earlier. Proactive wealth planning can help you explore all your options.
We can help you build a plan to address the many wealth-related questions you may have about the next step and how you can enjoy the lifestyle you have built over a successful and demanding career.
-
Families
-
At Dawson & Associates, we see our role as more than financial advisors; we aim to become a lasting part of your family's legacy, ensuring that our services extend to your children and beyond. Our approach is deeply personal—we get to know your family dynamics and tailor financial strategies that not only meet your needs but pave the way for future generations. We’re here to help navigate the complexities of wealth transfer in a way that aligns with your family’s values and goals.
By establishing a comprehensive estate plan and a clear investment strategy, we ensure your legacy supports your children’s and grandchildren’s aspirations. Our commitment is to manage your wealth with the foresight that one day, we'll be working directly with your kids, ensuring the continuation of your family’s financial success and well-being.
-
Women, Wealth & Well-being
-
Women’s financial well-being is often shaped by living longer, retiring earlier, pay disparity, and time out of the workforce as primary caregivers for children and aging parents. This means that the average woman will earn and invest less than a man over the long-term and spend more time in retirement years.
Together, we can create a financial plan that truly considers your needs, clarifies your goals, and explores all your “what if” questions. This includes factoring in the long-term costs of healthcare, living independently, evolving family dynamics, and proper estate planning.
Whether you’re looking to grow or protect your wealth, we understand it’s not just about investment returns—real financial advice is about you and how your money can provide security in your life and the lives of those you care about, today and tomorrow.