There are a number of ways you may defer tax in Canada; however, there are few ways to grow your wealth tax-free in Canada ...
TOTAL WEALTH planning
Total Wealth Planning for every stage of your life
A comprehensive approach that grows, protects, structures, and transfers your wealth to help ensure your financial success.
Wealth planning that fits your financial priorities
Your success reflects a series of well-considered decisions. Your wealth plan should be just as thoughtful. At Scotia Wealth Management, we bring together sharp insights and dedicated specialists to help you successfully navigate every life stage.
Define your goals
Support the people and priorities that matter most to you with comprehensive planning.
Gain specialized insights
A connected team that prioritizes your goals with a wide range of solutions.
Create a plan
A Total Wealth Plan built around your goals, with strategies to help you achieve them.
The Total Wealth Planning process
Our Total Wealth Planning process is designed to help you grow, structure, protect, and transfer your wealth, so you can move confidently through every life stage.
During this process, you can expect:
Discovery of your current financial situation and lifestyle goals
Forward-looking strategic guidance to help you plan with confidence
Specialized insights from our team of specialists
Aligned strategies tailored to your goals, needs, and priorities
A comprehensive Total Wealth Plan that includes:
- An executive summary highlighting key takeaways
- Alternate strategies to consider
- A clear action plan to guide your next steps
A plan that’s rooted
in your life priorities
Life priorities are always at the center of your plan. As your priorities evolve, whether through career advancement, family milestones, health and wellbeing, or lifestyle changes, your Total Wealth Plan adapts with them. It’s designed to evolve not just with retirement, but with every facet of your life.
Career and work
Family and relationships
Health and wellness
Lifestyle and leisure
Community and giving
Purpose-driven planning
for your goals
Wherever you are in your wealth journey, our team’s specialized experience can help you feel confident in your goals and next steps.
Grow your wealth
Build your assets with strategic investments and financial insights.
Structure your wealth
Organize and optimize your wealth to support long-term planning and efficiency.
Protect your wealth
Safeguard your wealth and strengthen your future.
Transfer your wealth
Pass on your wealth to future generations and philanthropic causes with intention and impact.
Backed by a team of specialists through all of life’s changes
Your Relationship Manager is more than just a financial partner. They get to know you and your family, and understand your needs and goals to support you through life’s most personal milestones, from celebrations to unexpected challenges. Through thoughtful planning, goal setting, and opportunity identification, they help you navigate change with confidence and clarity.
This plan integrates strategies from our specialized teams, including Estate and Trust Consultants, Tax Specialists, Private Bankers, Insurance Consultants, and more. Together, we build one cohesive roadmap with your priorities at the center. It evolves with you, reflecting every facet of your life today and tomorrow.
A comprehensive plan can add significant benefits:
Clarity
A Total Wealth Plan acts like a roadmap for your financial future, balancing your short- and long-term goals to help you prioritize and make confident decisions.
Confidence
We help you navigate complexity by analyzing your current financial position and anticipating life’s changes, so you can move forward with peace of mind.
Collaboration
A Total Wealth Plan unites specialists’ insights into one coordinated plan, providing you with confidence that your wealth is managed strategically and showcasing the power of our unique team-based approach.
Get started with a Scotia Wealth Management professional
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Registered trademark of The Bank of Nova Scotia, used under licence. Scotia Wealth Management® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Scotia Jarislowsky Fraser, a service of 1832 Asset Management L.P.; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; and ScotiaMcLeod®, a division of Scotia Capital Inc. Private banking services are provided by The Bank of Nova Scotia. Estate and trust services are provided by The Bank of Nova Scotia Trust Company. Portfolio management is provided by 1832 Asset Management L.P. and 1832 Asset Management U.S. Inc. Insurance services are provided by Scotia Wealth Insurance Services Inc. Wealth advisory and brokerage services are provided by ScotiaMcLeod, a division of Scotia Capital Inc. International investment advisory services are provided by Scotia Capital Inc. Financial planning services are provided by The Bank of Nova Scotia and ScotiaMcLeod. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and is regulated by the Canadian Investment Regulatory Organization. Scotia Wealth Insurance Services Inc. is the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Insurance Agents (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc.