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Helping You Protect All You Have Worked To Build.
Fortunately, there are a number of ways to help. It takes the right approach, as well as steadfast discipline and diligence, to assess the risks that could derail your life goals and build a contingency plan to help limit the effects. As your experienced guide, we assess where your risk lies and determine your level of comfort with it, exploring what actions and plans to put in place to provide the level of protection you need and deserve.
Then, we tailor your financial plan to prepare for the unexpected, which could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and tax-advantaged growth opportunities with annuities. Working together, our team helps you protect your overall financial plan, your way of life, and your ability to reach your goals even when the unexpected happens.
Maintain Your Health
One of the risks we all face, regardless of age, is the potential for sudden illness, disability and, subsequently, the need for long-term care. All of these have far-reaching effects not just on your health, but on your way of life, your ability to earn income and on your overall finances. We help prepare you and your family for the unexpected by ensuring you have the right types and amounts of insurance, including disability insurance to provide income if you are unable to work.
Maximize Your Retirement
The goal of every retirement plan is much the same: to ensure that your money lasts as long as you do and, by employing a skillful approach, even longer. With the right risk-management method, accompanied by diligent reviewing of your investments, we help mitigate the risk to your retirement savings by minimizing exposure to market uncertainties and tempering the effects of inflation on your portfolio.
Secure Your Legacy
Over the years we have learned – and witnessed – the importance of taking the necessary steps to protect your legacy for the generations to come. We work with your tax and legal professionals to create or update your estate plan documents, such as your will, trusts, and powers of attorney, and ensure your beneficiary designations are up to date on everything from your retirement accounts to your insurance policies. We also offer a full array of trust structures, including charitable-giving tools that may feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.
Risks That We Now Face
- Succession and legacy planning
- Regulatory, industry, and political risk
- Counterparty and liquidity risk
- Cybersecurity, technology, and fraud
- Health, well-being and longevity
- Physical safety and security
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We Stand With You
By promoting discussion within the family, business, and advisor network, we can sync up the components of your plan to ensure each hazard is considered. We help you establish guidelines and benchmarks, as well as create the infrastructure to measure, manage, and modify actions regarding your risk exposure. With over 5 decades of experience, Bilyk Financial has been creating customized risk management plans to help support and protect businesses and families with complex structures and relationships. Let us help you mitigate the complexity of risk.
Aligned Capital Partners Inc.
Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and Investment Industry Regulatory Organization of Canada (“IIROC”). Investment services are provided through ACPI. Only investment-related products and services are offered through ACPI and covered by the CIPF. Financial planning and insurance services are provided through Bilyk Financial Wealth Management. BFWM is an independent company separate and distinct from ACPI.
Disclaimer
This page may contain several strategies, not all of which will apply to your particular financial circumstances. The information on this page is not intended to provide legal, tax, or insurance advice. To ensure that your circumstances have been adequately considered and that action is taken based on the latest information available, you should obtain professional advice from a qualified tax, legal, insurance, and financial advisor before acting on any of the information on this site.
