Products
Black Key provides the highest level of services to its client by focusing on holistic asset management and customized consultation and by building and maintaining strong relationships with clients.
Over the past decade, we have developed long-term relationship with both the legal and account communities.
Our open architecture gives us the ability to provide a one-stop platform with solicited solutions and supporting.
INVESTMENTS
Registered Accounts
Tax-Free Saving Account (TFSA)
Registered Retirement Savings (RRSP)
First Home Savings Account (FHSA)
Registered Education Savings Plan (RESP)
Registered Retirement Income Fund (RRIF)
Registered Disability Savings Plan (RDSP)
INVESTMENTS
Mutual Funds
Funds come in various types based on risk levels, geographical sectors, and durations. This diversity caters to investors' needs for diversified portfolios and risk hedging.
We contracted with the following partners:
J.P Morgan, Mackenzie, Franklin Templeton, Fidelity, AGF, Putnam, Black Rock, CI Investment, RBC, CIBC, TD, Scotiabank
INSURANCE
Investment - Linked Insurance
Investment-linked insurance is a type of insurance that combines investment returns with cash rebates, catering to individuals who:
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Dislike market investment risks
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Seek a stable investment return
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Opt for medium to long-term investments with a strategic vision
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Experience high tax rates and desire tax-free investments
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Intend to pass assets to the next generation
If you have these investment needs, investment-linked insurance is an excellent fit. It seamlessly integrates cash returns with insurance, serving as a financial tool for asset succession. It allows your assets to enjoy stable returns while avoiding the hassles of estate certification, legal fees, management charges, and taxes.
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BK CORE STRENGTHS
Insurance is an Asset
Our core competitive power lies in our specialized products and services, underscored by our in-house tax expertise and partnerships with top-tier tax law firms in Canada. This unique combination ensures that our clients' insurance plans are not only tailored to their specific needs but also provide certainty and compliance with the Income Tax Act. Our core strengths include:
Insurance Trust Setup and Management
Our proficiency in establishing and managing insurance trusts offers a structured approach for the seamless management and transfer of wealth, aligning with our clients' estate planning goals.
Strategic Use of Insurance in Estate Freeze
We employ corporate-owned insurance as a key strategy in estate freezes, providing business owners with a means to reduce tax impacts while safeguarding the financial future of their estates. Our expertise in tax law positions our clients to benefit maximally from these arrangements.
Immediate Financing Arrangements (IFAs)
We specialize in creating Immediate Financing Arrangements for insurance, enabling clients to leverage their life insurance policies for immediate financial flexibility while ensuring the long-term security and growth of their estate.
Expertise in Insurance Transfer
Our services extend to managing insurance transfers within family members or between an owner and their corporation, aiming to avoid or minimize tax implications. We devise strategies to mitigate tax liabilities that may arise from policy transfers, ensuring a smooth transition of ownership that aligns with the overarching financial strategy and minimizes the tax burden on the policy owner or business.
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