Insurance Planning
Life, critical illness and disability coverage sized to protect the people who depend on your income.
- Life insurance needs analysis
- Term vs. permanent coverage
- Disability & critical illness options
Services
Six ways to build a plan that holds together.
Most families don't have a single financial problem — they have several, tangled together. Rasheedatu plans across all six areas at once, so a decision in one doesn't quietly undo another.
Investment Planning
Registered and non-registered portfolios built around a timeline and a risk level you actually agreed to.
- RRSP, TFSA & non-registered accounts
- Portfolio built to your risk profile
- Ongoing rebalancing & reviews
Children's Education Savings
RESP strategies that capture available government grants and give your child options later.
- RESP setup & grant guidance
- Age-appropriate investment mix
- A plan for withdrawal time
Retirement Planning
A tested income plan for the years after your paycheque stops — not just a savings number.
- CPP & OAS timing guidance
- Tax-aware withdrawal order
- Income projected to last
Tax Planning
Coordinated decisions across your accounts and income sources to keep more of what you earn.
- Registered account coordination
- Income-splitting where available
- Planning around major events
Estate Planning
Wills, beneficiary designations and account structures that carry your wishes forward.
- Beneficiary designation review
- Powers of attorney guidance
- Coordination with your lawyer
Why One Advisor, Six Disciplines
Because your accounts don't work in isolation.
Your RESP contribution schedule affects your tax return. Your insurance beneficiary designation is part of your estate plan. Your retirement withdrawal order determines your tax bracket for a decade. Planning them separately usually means paying for that separation later.