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SafeBridge Private Wealth

Smart portfolio management protects your funds

The economy is in a state of uncertainty and it’s causing some financial forecasts to have a bleak outlook on the next couple of years.

While this is cause for concern for some, those who have followed the advice of financial experts like Chris Karram, founder of SafeBridge Private Wealth, know the wealth they have amassed is protected.

“We have many clients feeling good about their portfolios and investments, despite the turbulent economic outlook,” says Chris. “By developing custom solutions and strategies for our clients’ financial goals, we’re making sure their money is safe when the economy goes through fluctuations.”

Safebridge Private Wealth uses a “build, protect, multiply” approach, which considers all aspects of acquiring and maintaining family wealth, to best serve their clients. Their expert team will design and plan portfolio solutions for those who are establishing, or have already established, their wealth.

Chris and his team recommend a tailored life insurance policy as an essential cornerstone of a quality financial portfolio due to its ability to grow wealth within a tax-free environment.

Acting a little bit like a Tax-Free Savings Account, without the annual contribution limits, a well-designed life insurance policy can be funded using personal or corporate tax dollars – or both.

“Life insurance is a core asset that can be exceptionally effective and offers tremendous benefits,” says Chris. “Life insurance has been paying dividends since 1848 in Canada, with today’s dividend yields paying out between 5.1 and 6.2 percent. They have averaged over 7 percent annually in the past 30 years, with a lower standard deviation than a traditional five-year GIC portfolio.”

A tax-sheltered life insurance policy still lets you access funds immediately when a great investment opportunity comes forth: more than simply getting money out, it’s about keeping the portfolio growing at the same rate.

This can be achieved by borrowing against the existing funds within the life insurance policy, much like borrowing against the equity in a home or cottage to invest elsewhere.

“You’re leveraging the funds in one portfolio to invest in another area and double the opportunity to grow your wealth,” says Chris. “Your growth within the life insurance asset doesn’t slow and your capital is available for new investments.”

This is only one of the ways the experts at SafeBridge Private Wealth can help protect and grow your wealth.

TEXT CHRIS OCCHIUZZI | PHOTOS ANDREW FEARMAN

www.SafeBridgePW.com

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