We are a team of financial professionals who are committed to guiding affluent Canadians toward their financial goals.
When you’ve spent a lifetime building wealth, you want to know that all the pieces are working together — and that the people you care about are being looked after.
Our team helps affluent families navigate financial complexity through a highly coordinated Family Office-style approach. By integrating investment planning, tax strategies, cash management, insurance and risk planning, and estate and legacy planning, we create a unified strategy tailored to your unique circumstances. Acting as the central point of coordination, we work alongside your accountants, lawyers, and other trusted professionals to provide oversight of your complete financial picture
It’s a thoughtful, coordinated way to manage significant wealth, with your family, your future and the legacy you hope to leave at the centre of it.
An investment statement can tell you how your portfolio performed, how your assets are allocated, and what your wealth is worth today.
It doesn’t tell you:
Your wealth should create possibilities, not uncertainty.
As your trusted advisor, we help you grow what you’ve built and turn it into a plan for how you want to live and give. That might mean showing you that retirement is already well funded, finding smarter ways to build your wealth or confirming that you can give your child a downpayment toward a first home without affecting your own future.
You’ll see what’s possible and how to move forward with purpose.
Our financial planning team brings every part of your financial life together. From investments and retirement income to tax, estate and business planning, we help you make decisions with a clear understanding of how each one affects the rest.
We'll coordinate the details, involve the right professionals when needed and keep your plan moving forward as your life changes.
Our team can help with:
Taxes are a critical consideration that impact every aspect of your financial life. As part of a holistic planning approach, we'll integrate sophisticated tax planning solutions to help manage the complexities of your wealth and ensure your overall plan is tax-efficient.
We are guided by a disciplined investment approach that leverages the combined talents of IG Wealth Management's investments team and leading global investment partners. This helps unlock a world of opportunity, so you can confidently pursue your goals and financial well-being.
Creating a legacy for the people, organizations and causes you care about requires proactive planning. We will help you create a carefully structured estate plan that reflects your unique wishes, protects your wealth and provides clarity to those you love.
For business owners, the value of the business is often closely tied to the family's overall wealth. We help you prepare well in advance for a sale, succession or transition, connecting business decisions with your personal retirement, tax, investment and estate planning.
Insurance can play an important role not only in protecting your family, but also in helping transfer wealth efficiently from one generation to the next. We look at insurance as part of your broader estate and wealth plan, considering how it may help preserve the value of your estate, provide liquidity for taxes and other obligations, and create a more predictable legacy for the people and causes you care about.
We help you understand what your retirement could look like, how much you may be able to spend, where your income will come from and how your investments, pensions, corporate assets and other resources can work together over time.
Passing wealth to the next generation takes careful planning. We help you think through how and when assets may be transferred, how taxes could affect your estate and how to provide for children, grandchildren and other people you care about in a thoughtful way.
Giving can be an important part of your financial and family story. We can help you explore charitable strategies that support the causes you care about while considering the tax, estate and legacy implications of your generosity.
Your cash should have a purpose too. We help you think through day-to-day liquidity, larger upcoming expenses, reserves and short-term needs so the cash portion of your wealth works alongside your investment and long-term planning.
We are committed to helping individuals and their families manage the complex and evolving needs of their wealth. We take a holistic approach to your overall financial well-being by providing personalized solutions to bring financial wealth and independence to clients and their families. Clients and their families are at the center of everything we do.
Retirement planning is about more than reaching a savings target.
We’ll help you create a personalized retirement paycheque, understand what you can comfortably spend and see how today’s decisions may affect your estate.
You’ve built the business. Now your corporate structure, personal finances, tax plan, succession strategy and estate plan need to work together.
We’ll help you understand what your company may be worth, whether it’s ready for sale and how business wealth can become lasting personal and family wealth.
James has been our financial advisor for the past 7 years. He has been instrumental in coordinating our insurance needs, tax strategies and our investment and estate planning for our personal and corporate needs. He maintains a professional approach in helping us balance our retirement planning while understanding the need to maintain our quality of life. He’s been extremely accessible by phone, email and meets with us regularly throughout the year in response to changes in circumstances and to ensure our goals are on track. Having worked with a previous financial advisor we recognize and appreciate the expertise that James brings to our financial picture.
Family office-style wealth management is a more coordinated approach to managing significant wealth.
Rather than looking at investments, taxes, insurance, estate planning, business interests and cash flow separately, we bring them together around your family’s goals. We also work alongside your accountant, lawyer and other trusted professionals so the different parts of your financial life are working together.
Risk management is about protecting what you’ve built and making sure unexpected events don’t disrupt your family’s financial plans.
We look at your insurance coverage, estate needs, business interests and broader financial picture to identify where additional protection may be helpful. For many families, this also includes thinking about how insurance can support estate liquidity and the eventual transfer of wealth.
Yes. Life insurance can be an important tool for families who want to leave a meaningful legacy.
Depending on your circumstances, it may help provide liquidity for taxes, preserve other assets for your family or create a more predictable inheritance for children or grandchildren. We consider life insurance as part of your broader estate and intergenerational wealth transfer strategy rather than as a standalone product.
There are many ways to transfer wealth, and the right approach depends on what you want to accomplish.
You may want to provide support during your lifetime, leave assets through your estate, use insurance, make charitable gifts or combine several strategies. We help you think through the timing, tax implications and impact on your own financial security so your wealth can be transferred thoughtfully and intentionally.
A Burlington financial advisor can help you understand how your investments, taxes, retirement income, estate plan, insurance and major financial decisions fit together.
At Carney Lyster & Associates, we don’t treat these areas as separate pieces. We bring them together in one coordinated plan.
We’re based in Burlington, Ontario serving clients across the province. We’re also licensed in Alberta and British Columbia.
Retirement planning starts with your actual numbers.
We’ll look at your investments, pensions, expected spending, taxes and future goals to estimate how much income you can comfortably draw and how long your money may last.
Your plan can also show how different spending or investment decisions may affect your future.
Yes. As your Burlington financial planners, we can help turn your investments, corporate savings, pensions and government benefits into a coordinated retirement income strategy.
You’ll be able to see:
The right strategy may involve salary, dividends, retained earnings, corporate investments or a holding company.
We’ll work with your accountant and other specialists to coordinate your corporate structure, personal cash flow, retirement and estate planning.
This helps your corporation support the life you want today while strengthening your plans for retirement and the future.
Yes. Business valuation can play an important role in succession, retirement and business exit planning.
We’ll help you consider what your business may be worth, whether it’s ready for sale and what the proceeds could mean for your personal financial future.
Estate planning may include reviewing:
We’ll coordinate with legal and accounting professionals when specialized advice is required.
No. Investment management is only one part of our work.
Our Burlington wealth management team can also help with retirement spending, tax planning, gifts to children, business decisions, insurance, estate planning and other financial questions.
Our team is based in Burlington, Ontario and serves clients in Oakville, Hamilton, Halton Hills and throughout Ontario.
We’re also licensed to work with individuals, families and business owners in Alberta and British Columbia.
