Planning Services

Family Risk Management

Excalibur Executive Planning Inc. Associates will evaluate your family's current exposures and assess your existing insurance program.

Corporate Risk Management

Corporate risk management refers to all of the methods that a company uses to minimize financial losses.

Disability Insurance

Disability insurance replaces a portion of employee income when they can't work because of an illness or disability.

Permanent & Term Life Insurance

There are two basic life insurance options: term and permanent. Term lasts for a specific, pre-set period. Permanent lasts your entire lifetime

Business Owner Insurance

A business owner's package (BOP) is an all-in-one policy that includes commercial property, general liability, business interruption and crime insurance at one economical price.

Investment Insurance

Insurance investment plans are like a two-for-one investment. When you pay your insurance premiums, part of your premiums become investments after a certain period.

Critical Illness Insurance

Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer.

Long Term Care Insurance

Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid & helps pay for the costs associated with long-term care.

Group Employee Benefits

Group benefits are insurance that covers a group of people who are usually the members of societies, employees of a common employer, or professionals in a common group.

Segregated Funds

A segregated fund is an investment fund that combines the growth potential of a mutual fund with the security of a life insurance policy. Segregated funds are often referred to as "mutual funds with an insurance policy wrapper".

Creditor Protection

The Companies' Creditors Arrangement Act (commonly referred to as the "CCAA" or the "CC, double A") is a Federal Act that allows financially troubled corporations the opportunity to restructure their affairs.

Insured Annuities

An insured annuity is essentially a prescribed life annuity and a term life insurance policy, purchased together.

Planned Giving

By definition, a planned gift is any major gift, made in lifetime or at death as part of a donor’s overall financial and/or estate planning. These include gifts of equity, life insurance, real estate, personal property, or cash.

Insured Inheritance

Inheritance insurance is for the following clients: People who, out of love, wish to leave an inheritance to their heirs, such as their children or grandchildren. People who would like to reduce the amount of yearly tax they pay on their investments. People who want to avoid leaving their heirs with a financial burden.

Split Dollar Strategy

Originally called “Split Dollar,” these agreements were commonly set up in an employment situation. The employer would typically own the Fund Value in order to recover their costs, while the employee1 would own the Face Amount death benefit.

Real Estate Preservation

In its simplest sense, property preservation is maintaining vacant properties. This ranges from cleaning them up to performing preventative maintenance to making sure the property is safe and secure.

Retirement Income Enhancements

The enhancement will increase the maximum CPP retirement pension benefit by about 50 per cent, once mature. To fund enhanced benefits, annual CPP contribution rates will increase modestly over seven years.

Corporate Living Buyouts

The arm´s-length purchaser incorporates a holding company, which borrows the funds to purchase shares. Following the purchase of the shares, the two companies are amalgamated, allowing the interest expense to be offset against taxable income of the amalgamated company.

Individual Pension Plans (IPP)

The IPP is a registered retirement plan intended for one person. It is a defined benefit plan, which means that you know in advance the amount you will receive upon retirement.

Capital Dividend Account Planning

The capital dividend account (CDA) is a special corporate tax account that gives shareholders designated capital dividends, tax-free. The non-taxable portion of the total gain realized by the company is then added to the capital dividend account (CDA), which is then distributed to shareholders.

Family Financial Planning

Family financial planning means thinking about what goals you want to achieve with your money. Those might include: Saving $2 million for retirement. Paying off your mortgage by age 50. Setting aside $100,000 in college savings for your kids.

Retirement Planning

Retirement planning is an extremely important process. We can provide you with the foundation for developing and implementing a comprehensive retirement plan to determine monthly income/expenses during your retirement years.

Estate Planning

Estate Planning can help you best transfer your property in the event of death or incapacity. We can give you the comfort of knowing that your accumulated wealth is protected and that your family will be provided for.

Business Succession Planning

Business succession planning is simply the process of determining how you are going to transfer your business ownership and transition out of a business management role, while maximizing your personal financial security.

Employee Benefit Analysis

Current review of existing benefit plans and how to adjust them accordingly

Pension Plan Analysis

Current review of existing pension plan and how to make adjustments.

Personal/Corporate Tax Deferral

Tax Deferral This status allows it to claim the small business deduction, a reduction of the normal corporate income tax rate on the first $500,000 of a corporation's annual taxable income earned from carrying on an active business in Canada.

Referrals to Legal Professionals

A lawyer referral service maintains a network of lawyers, and connects people in need of lawyers with its participating attorneys. For-profit referral services may connect lawyers with clients who pay a membership fee, or a fee for successfully referred clients, subject to rules against sharing fees with non-lawyers.

Referrals to Accounting Professionals

Referrals remain the most effective marketing method for accounting professionals. People trust and value referrals for an accountant more than any other form of marketing or advertising. When clients refer someone to you, they are vouching for you and it increases their loyalty to you.

Referrals to Mortgage Professionals

The referral is simply to put a potential borrower in touch with a mortgage broker, who may solicit a lending institution on the borrower's behalf. When a mortgage broker does not affiliate with a specific lender, they can pay referral fees to unlicensed persons.

Referrals to Real Estate Professionals

Quite simply, a real estate referral agent is a real estate agent who refers a client to another real estate agent, who will then manage the client's real estate transaction. Real estate referral agents receive a portion of the commission on the real estate transaction a client conducts after they have been referred. A referral agent must be part of a brokerage in order to act as a referral agent and receive commissions for referrals.

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