Engineered to maximize your wealth
Wealth is a machine: a complicated system of intricately interconnected elements. To reach peak performance and maintain it for many years, wealth requires an experienced touch. When life takes turns, wealth demands an expert one.
Over the past decade, Hartley Advisory Group has delivered specialized, tax-savvy wealth planning to maximize Canadians’ finances with both a domestic and cross-border perspective. The more complicated your situation, the more expertise we have to offer.
Unrivalled expertise
Our lean team boasts diverse accolades and backgrounds, from cross-border tax to technology, which enable us to offer a specialized service that is unmatched in our industry.
Geoff Hartley
Ryan Buick
Dilaun Bonni
Chris Forsyth
Investments
Helping you meet your targets
Individualized, diversified, and balanced, your investment portfolio is designed for the long term to meet your personal goals while complying with your specific risk tolerance. To achieve this, we do three things.
Get the risk equation right
Risk tolerance is not a gut feeling; it’s a mathematical formula. We identify your true tolerance for risk by considering both your willingness and ability to take it on. With that target set, we customize your portfolio.
Diversify for the long term
We are not stock pickers; we are asset allocators. By distributing your investments across multiple asset classes and geographies, we are able to protect your overall wealth from localized market fluctuations.
Maintain balance
To keep your investments true to the optimal risk profile and diversification objectives we’ve set for you, we review and rebalance your portfolio on a regular basis.
Risk tolerance (noun): One’s willingness and ability to take on risk.
Wealth management
Building the framework
To enable your investments to grow uninhibited, we put in place and maintain an individualized financial framework built upon the four pillars of wealth management: tax, financial planning, insurance, and estate planning.
Tax
With a deep tax background, we are adept at seeking out and implementing strategies for minimizing your tax bill, or bills. For clients with cross-border needs, we take a North America-wide view to consider and mitigate all angles.
Financial planning
We actively participate in the building of your financial plan – a personalized road map drafted based on your goals – and refer to it throughout your financial journey.
Insurance
As a registered insurance representative, Geoff Hartley can draw upon the expertise of wealth protection specialists to recommend solutions tailored to you.
Estate planning
We are thinking about your wealth long term. That is why we engage our Will and estate partners to help you plan and prepare your financial legacy.
Cross-border
Clearing the path
Cross-border wealth is a tangled maze, but it’s one we know like the backs of our hands. Well-versed in all the exacting requirements, we act as your guides as we navigate around every bend and over every hurdle on your behalf. In so doing, we clear a cohesive financial path for Canadians with ties to the United States as well as Americans residing in Canada.
Transition experts
Drawing on differentiated experience, our team is truly unmatched in our ability to offer financial recommendations to Canadians returning from the States, Americans living in Canada, or people considering a move across the border.
Dual tax perspective
Geoff Hartley mastered cross-border tax before ever entering the world of personal wealth management. Proficient in the manifold rules and regulations involved, he is uniquely adept at advising clients on their income tax through a North American lens.
Collaborating across borders
Core to our role as your wealth managers is close partnership with various related professionals, including those based in Canada and the U.S. We put in the work to make their jobs easy, thus decluttering and simplifying your financial picture.
Why accountants love working with us
We take a proactive approach to our clients’ cross-border taxes, setting their accountants up for success. Here are a few of the extras we provide at a glance.
Dual tracking of cost bases for American and Canadian income tax purposes, including as they may shift with cross-border moves
Annual reporting of capital gains and losses for both Canadian and U.S. income tax purposes, which contribute to our investment strategy for U.S. persons in Canada
Maximum and year-end account balances for Report of Foreign Bank & Financial Accounts (FBAR)
U.S. 1099 reporting for U.S. persons in Canada
Blog
Tax resources
Helping you prepare your tax return
Drawing on our comprehensive accounting background, we take a hands-on approach to tax season for our clients, collaborating closely with their accountants. On this dedicated resource page, you’ll find up-to-date information about your Canadian and U.S. taxes to keep you on track with filing.
Key dates
Mailing dates for RBC Dominion Securities tax packages.
Handy checklist
All the Canadian and U.S. tax information slips and supporting documents you may receive from RBC Dominion Securities, including descriptions of how to use them.
Life throws curves
As your wealth management experts, domestic and cross-border, we will navigate every twist and turn for a smooth ride.
Email:geoff.hartley@rbc.com
Phone:416-842-3573