Simple solutions, meticulous service
There is nothing in the world of wealth that falls outside our mandate. We’re here to guide you through some of life’s toughest decisions, provide solutions before challenges can arise, and work seamlessly with a supporting team of wealth specialists to manage your revolving financial needs.
As our founder, Rand Morsky, puts it, “We make everything feel simple.” Every client we serve lives in full trust that their wealth is taken care of. When they encounter a new opportunity, dilemma, or ambition, there is only one number to call.
We’re listeners, wealth builders, and problem solvers
Our genuine level of care comes through in the service we provide. It's the little things, such as picking up the phone when you call, and proactively planning for your needs before they arise. And it's the bigger things, too, like investing our wealth alongside yours, and being there with you to clarify and overcome any financial complexity you face.
Greg Morsky
Rand Morsky
Jeri Viklund
Daniel Chen
Linh Nguyen
How we help
We believe in simplicity to achieve results
At The Morsky Group, it has been our purpose and privilege to not only build our clients’ wealth, but bring simplicity to their financial lives. We apply our dedicated insights, experience, and support to uncover exactly what investment and wealth planning solutions can benefit your situation.
Safeguarding your investments like we do our own
When markets decline, it can feel like the world has ended. Well the world has "ended" many times – but it always finds a way to recover so a new chapter can begin. As stewards of your wealth, it's our job to guide you through tough market conditions, so you can reap the full rewards when markets grow.
- We choose investments we believe in based on objective, research-backed analysis – never emotion.
- We invest alongside you, growing and protecting our personal wealth in the very same companies.
- We take a custom approach, tailoring your portfolio composition to meet your unique situation, and individual goals and needs.
- We keep it simple, with a strategy designed for the long term, and a portfolio structure that minimizes tax and administration.
Our services include:
Investment management
Retirement transition planning
Tax minimization
Corporate investments
Will & estate planning
Business succession planning
Philanthropy & trust planning
Philanthropy, foundations & trusts
Who we help
Our clients have financial peace in common
We help successful people from all walks of life enhance and simplify their financial world. Often, our clients find us in a time of transition, like an inheritance, retirement, or the sale of their business. Other times, they simply think to ask themselves, “Do I deserve better advice?” – and we show them they do.
Business owners
We create attainable and effective wealth creation strategies to help families optimize their complex corporate and personal wealth.
Client story
Owners of a successful service business, this married couple had invested irregularly over the years – taking occasional, ad-hoc advice from various professionals who didn’t have their complete financial picture in mind. With two young children, they needed a plan that would put their accumulating surplus income to good use, and help them feel confident in their family’s financial future.
How we helped
We uncovered their whole financial situation – goals, savings, corporate accounts, living expenses, and more. We ran financial projections, opened RESPs for the kids, and scheduled payments to take advantage of matching government grants. Then, we looked at tax-saving opportunities – leveling their year-to-year taxable income, paying out shareholder loans to fully fund their TFSAs, and structuring the corporate account to provide more tax-efficient sources of income to fund their lifestyle. With an all-encompassing strategy in place, our clients can now enjoy complete confidence in their financial future.
Doctors and professionals
We manage and simplify busy professional’s wealth needs, delivering superior service and integrated solutions at a single point of contact.
Client story
This husband and wife lead active, busy lives, to say the least. She works long hours at her medical practice, he owns and operates franchised businesses all over the city, and their whole family enjoys active social lives. Their ultimate goal was to ensure a comfortable retirement with enough resources to set their children up for success. They were in search of a partner they could trust to steward their wealth, while balancing investment in their personal business, insurance and the equity markets.
How we helped
In order to create a comprehensive plan detailing their current situation, and uncover savings opportunities, we drew on our extended team of estate planners, tax professionals, and bankers. We worked directly with their accountant as well, to structure loans between their professional corporation and commercial operating business that leverage both the corporate profiles without sacrificing their long-term savings strategies. This allowed them to open a new franchise location and expand the medical practice. We also organized and began managing their investments – from the corporate accounts, to personal RRSPs, to trusts that would one day go to the children.
People transitioning into retirement
Retirement is a time when we transition from saving to spending, and the planning required for that is often overlooked. We help take care of your income, retirement goals, lifestyle, and other needs, so you can focus on enjoying retirement.
Client story
At the age 65 and 57, this husband and wife were welcoming their second grandchild and putting more thought into how they’d like to spend retirement. Between their joint savings and her pension, they hoped for lots of travel, time spent with family, and a sizeable legacy to support future generations.
How we helped
After many explorative conversations, we ran several financial projection scenarios to determine the best way to provide flexibility and after-tax wealth: transferring the pension in to a Locked-In Retirement account (LIRA). This allowed the client more choice on when and how much to withdraw from the account. It also secured the pension for the family should something happen to the pension holder. We also helped the grandparents set up an RESP for their grandchildren, allowing the savings to compound over a longer period to fund their future education. Lastly, we completed an in-depth Will & estate review to reflect their evolving family situation.
Charitable foundations
With great success comes great opportunity to give back. We help high-net-worth individuals and families make a greater impact in their communities and support the social cause that matter most.
Client story
Recently retired, one individual we help built a significant fortune in her working years as a business executive. She wanted to continue supporting her family, lifestyle, and the charities close to her heart – with the confidence that her impact was being fully maximized.
How we helped
We built a multi-faceted financial plan and charitable giving strategy, collaborating closely with her accountants and lawyers along the way. By establishing a personal charitable foundation, she could donate her appreciated equities (in-kind donations) without realizing the capital gain, and establish an investment account within the foundation to aid in her future charitable giving. We empowered her to not only give more than she might be able to otherwise, but significantly reduce the amount of taxation in her investment account.
Morsky Memo
What’s missing from your financial life?
When you think of the professional support you receive today, do you wonder if there might be something more out there? Contact us to learn about our dedicated service approach.
Email:greg.morsky@rbc.com
Phone:403-299-6966