Markets move. Life changes. We build portfolios designed to hold up through both — always anchored to where you're going, not where the market is today.
We don't manage accounts in isolation. Every vehicle is coordinated as part of a single plan.
Tax-deferred growth and strategic withdrawal planning for retirement — sequenced to minimize your lifetime tax burden.
Tax-free compounding used strategically, not just as a savings account. Asset selection inside a TFSA matters significantly.
First Home Savings Account planning for eligible clients working toward ownership — combining RRSP-deductibility with TFSA withdrawal flexibility.
Retirement income sequencing and drawdown strategy — coordinated with CPP, OAS, and other income sources to minimize tax.
Tax-efficient investing beyond registered limits — with deliberate asset location and attention to capital gains exposure.
Retained earnings deployed strategically inside your corporation — balancing passive income rules and future extraction plans.
We are not market timers. We don't build portfolios around predictions. We build them around your goals, your timeline, and your tolerance for volatility — then we stay the course while making deliberate adjustments as your life evolves.
Every portfolio is built backward from what you're actually trying to achieve — not from a model portfolio template.
Asset location and account selection are as important as what you hold. Tax drag is a real cost we manage actively.
We don't react to headlines. We react to changes in your life. Markets fluctuate — your strategy shouldn't.
You always know what you own, why you own it, and what it costs. No gray areas, no hidden fees.
The products we use matter less than why and how we use them. Here's what's in our toolkit and when each one applies.
Diversified, professionally managed portfolios accessible at every account size. Mutual funds are the foundation of most client portfolios — offering broad exposure, professional oversight, and daily liquidity. Lucas Gil is licensed to offer mutual funds through Monarch Wealth Corporation, serving clients in BC and Ontario.
Insurance-based investment products with principal guarantees, creditor protection, and estate planning advantages. Particularly valuable for business owners, professionals with liability exposure, and clients focused on efficient wealth transfer at death.
Guaranteed Investment Certificates (GICs) are federally insured fixed-term
deposits that lock in a guaranteed interest rate — ideal for capital preservation, short-term
savings goals, and risk-averse clients who want certainty over return variability.
Guaranteed Interest Accounts (GIAs) are the insurance equivalent — offered
through
life insurance companies with competitive guaranteed rates and potential creditor protection.
Perfect for clients who want the security of a GIC with the added benefits of an insurance
structure, such as business owners protecting retained earnings or individuals seeking probate
bypass on death.
Licensing Disclosure: Mutual funds are distributed through Monarch Wealth Corporation. Lucas Gil is registered to distribute mutual funds in British Columbia and Ontario. Segregated funds and insurance products are distributed through Customplan Financial Advisors Inc. This material is for informational purposes only and does not constitute investment advice. Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund investments. Please read the prospectus before investing.
We understand your full picture before recommending anything — income, goals, existing accounts, tax situation, and timeline.
We build a coordinated investment plan across all relevant accounts with tax efficiency built in from the start.
We put the plan into motion, selecting the right vehicles and structuring each account appropriately.
We review at least annually and adjust proactively when your life changes — not just when markets do.
We'll show you what a coordinated investment strategy looks like for your specific situation.