We Take Care of
Your Whole Family

Our founders and partner firms have decades of experience coordinating, managing, protecting, and growing the financial assets of successful families. Our services are personalized, professional, and structured to help you achieve your financial goals for today while ensuring a family legacy.Heirloom offers Family Office and Wealth Planning services, including:

Family Governance

Our team of financial professionals will help you establish a firm foundation on which to grow and pass on your wealth. We provide guidance in the areas of:

  • Family Constitution – We help families establish a set of principles that embodies the family’s core values that underpins the strategy and governance structure for managing the family’s financial affairs.
  • Financial Stewardship – We equip families with a purposeful plan for family wealth involving capital preservation, sustainable spending, and long-term investing practices.

Wealth Management1

Successful wealth management is built on sound strategies that consider your short-term and long-term goals.

  • Expert advice – Heirloom’s founders and partner firms have extensive experience in many aspects of wealth management and, through their Portfolio Manager referral partner, Polaris Wealth, can ensure that you have the appropriate investments and asset allocation for your specific wealth goals.
  • Access to a wide range of investment solutions – Polaris Wealth will advise on the best mix of publicly traded securities, ETFs, mutual funds, private equity, private debt, and real estate investment opportunities, for your financial goals.

Budgeting/Cashflow Planning (Family CFO)

Heirloom will act as a fair, impartial, and independent CFO for your family.
Conflict-free advice – Our team of highly skilled finance professionals, expert advisors, accountants, and lawyers will help you navigate the complex world of wealth management, asset growth and succession planning in an impartial and comprehensive manner.
Integrated approach – As family CFO, we are financial advocates and partners with you, as well as co-creators of action plans that solve problems and facilitate goal achievement across your financial, tax, business, philanthropic and estate planning needs.

Tax & Estate Optimization

Our team will help create a prudent tax strategy and sound estate plan for your family.

  • Personalized solutions – By gaining a deep understanding of your circumstances and goals, we will guide you through personalized, tax-efficient wealth transfer and trust management options.
  • Guiding you to your future goals – We are here to help families that have generated significant wealth protect and pass on assets to generations to come.

Risk Management

Understanding and managing risk is a complex and fundamental part of a well thought out wealth plan.

  • Protecting wealth – We help our clients navigate the oversight of their financial asset ownership and risk programs aimed at protecting and preserving financial wealth for generations.
  • Protection from health risks – We help families understand the possible monetary effects of health risks and prepare a plan that is coordinated with all aspects of the family’s affairs such as business interests, investments, taxation and estate planning.

Other Services

Multi-Generational Education

Every member of the family, regardless of age, can benefit from a deeper understanding of the sound principles behind the management of money, budgeting, charitable giving and investing. The team at Heirloom has substantial knowledge that they share with every client and provide the tools and coaching necessary to gain confidence and insight into the practical aspects of wealth management.

Philanthropy

Giving back is important to many of our clients. We can help strengthen the impact of your charitable giving with the planning, tracking and analysis of new and established family foundations and other philanthropic endeavors.

1 Investments are managed through Polaris Wealth, a division of Polaris Financial Inc. Polaris Financial Inc. is registered as a Portfolio Manager whose principal regulator is the Ontario Securities Commission. Polaris Wealth Inc. is currently registered in Ontario, Quebec, Nova Scotia, Alberta and British Columbia. Heirloom Wealth and Polaris Wealth have a referral agreement.