Optimizing Net Worth for Successful Entrepreneurs and Families.

2023 RESOLUTIONS FOR YOUR WEALTH, HEALTH, AND LEGACY

When we think of new year resolutions, a goal at the gym is usually one of the first things that comes to mind. That might be one of the reasons that not everyone likes to kick-off the year with resolutions. Whether you like the notion of resolutions or not, any new beginning is a good time to reflect on your past, present and future and put a stake in the ground on what you want to accomplish moving forward.

LIFE INSURANCE AS AN ASSET CLASS

The use of life Insurance has been traced as far back as the ancient roman empire, where poor Roman families would have to pay for their loved one’s final expenses or risk them being disposed of in a common garbage landfill¹. Because most poor Romans could not afford to pay for their final expenses, they would join burial clubs while they were alive, where the club would pool the members’ funds and pay them out upon each member’s death.

How should short-term interest rate increases be viewed?

Since March of 2022, the Bank of Canada has raised its policy rate by 350 points to 3.75%, one of the fastest rate hikes in the country’s history. So much in fact, that as of October 26^th, the Bank of Canada has surpassed the policy rate of countries with comparable currencies such as New Zealand (3.5%), Australia (2.75%), the UK (2.25%), and even our southern neighbors, the USA (3.25%).

Putting the right succession-planning team in place

Although no two family-business succession plans look the same, one thing is true of them all: putting together an effective succession plan is a complex task involving many emotional, financial, legal, and strategic elements. That means family-business owners can’t go it alone: they need a team.

What We Do

Optimizing net worth for successful entrepreneurs and families.

For more than 20 years, The Targeted Strategies Group (TTSG) of companies has helped successful entrepreneurs and families protect, preserve, and optimize net worth by using proprietary life insurance solutions. Our team of more than 100 professionals collaborates with our clients and their advisors to provide ideas, strategies and solutions to complex problems.

Strategic Advisory

Custom life insurance solutions. Tailored to our client’s financial goals.

Life Insurance Solutions

Our team of experts work with your advisors to guide strategies and solutions.

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“We are a group of professionals and thought leaders who collaborate with our clients and their advisors to provide insight and innovative solutions to complex estate planning opportunities and challenges.”

Susan Kichuk, CEO

What We Value

At TTSG we are guided by the following values.

Collaboration

Giving

Innovation

Integrity

Our business model is built on partnering with our clients and our clients’ advisors to look at their planning holistically. We believe it is more effective to be part of a team where we focus on what we do best and collaborate with best resources available in other areas.

We believe in giving back to the community and empowering our employees to support the causes they are most passionate about. As a company, we have donated or sponsored charity-based events in an amount of more than $1M over the last two years. We also offer a program that matches employee charitable contributions, and have a “Volunteer of the Year” program where one person is recognized with a significant monetary gift that they can choose to donate to an eligible registered charity.

We live in a world of possibilities, not process. We continuously look for new and creative ways to do things better and believe that investments in innovation will always multiply the benefits possible. We have invested millions of dollars to build a team of the sharpest minds dedicated to continuously finding the best ways to achieve our clients’ goals. We invest over $2 million in product research annually and proactively work with our partners to improve the products available to offer our clients. We also invest hundreds of thousands of dollars in employee education and skill development every year to ensure our professionals are top in their field.

We are transparent and accountable to our clients and our partners. In addition to our employees being accountable to the various regulatory organizations governing their professions (e.g. provincial Chartered Professional Accountant bodies, provincial law societies, provincial insurance regulators), we have invested in a full time regulatory compliance lawyer as our Chief Compliance Officer who ensures we maintain the highest standards in insurance compliance, client privacy protection and cybersecurity.

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