Your best interests are at the center of our team’s philosophy. At Bowman & Partners, we believe that your financial well-being depends on how well you coordinate four basic aspects of your financial life: investment management; debt management; income tax planning; and estate and insurance planning. People generally look at these four “pillars” as separate issues, but that can often be counterproductive. Instead of taking a piecemeal approach to financial decisions, we believe that your interests are best served by a comprehensive approach to planning.
At the core of creating and preserving your financial well-being is how your assets are managed. We provide you with the consistent direction, discipline and perspective to help you achieve your investment goals. Through a relationship between Assante Capital Management Ltd. and United Financial, a division of CI Private Counsel LP, we can provide customized portfolio strategies to fit your individual requirements.
Although we offer a wide range of investment options, we believe that equities will outperform other investments over the long term. We also believe in the diversification of investments through strategic asset allocation.
Borrowing money is often necessary. By borrowing only when prudent and by lowering your interest costs, you will improve your financial independence. We believe that most debt should be eliminated aggressively. In addition, non-deductible interest payments should be replaced with tax-deductible interest payments whenever possible.
Income Tax Planning
Your income tax obligation is one of your largest annual expenses. We believe you should pay no more than your fair share of taxes. We have many years of experience in helping our clients minimize their taxes. We can also call upon the legal and accounting expertise of the Assante Wealth Planning Group when the situation requires a unique solution. By using appropriate strategies, we have helped many of our clients to consistently enjoy substantial tax savings.
Estate and Insurance Planning
Estate planning involves three major issues. First, do you have adequate coverage to replace the financial loss created by your death or disability? Second, do you have the proper documents in place to manage your affairs if you are unable to do so yourself? And third, have you planned for a tax-efficient transfer of your estate to your heirs? We help you with these issues by reviewing your estate documents and assessing your protection requirements. If an insurance solution is warranted, we work with Assante Estate and Insurance Services Inc. to choose a cost-effective solution from a number of leading insurance providers.