Investment & Wealth Planning Montreal

What We Offer

Strategies for Every Goal.

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A retired couple reviewing their finances at home — For individuals & familiesFrom your first TFSA to a retirement you can actually enjoy.

TFSA & RRSP Planning

Make the most of Canada's two most powerful accounts — balancing tax-free growth and tax-deferred savings for your income and timeline.

FHSA — First Home Savings

Saving for your first home? Get a tax deduction on contributions and tax-free withdrawals toward your purchase.

RESP Planning

Give your kids a head start — maximize government grants and grow education savings tax-sheltered.

Retirement Planning

A clear, realistic roadmap to the retirement you want — accounting for government benefits, savings, and lifestyle.

Retirement Income & RRIFs

Turn savings into a steady paycheque — choosing which accounts to draw from first to keep more after tax.

Financial Goal Mapping

A home, a sabbatical, early retirement — we turn your goals into a concrete plan you can actually follow.

Business owners in a planning meeting — For business ownersPut your company's earnings to work — efficiently.

Corporate Investment Planning

Invest retained earnings inside your corporation efficiently, and move wealth between the company and your personal life.

Individual Pension Plans (IPP)

For incorporated owners and professionals, an IPP can often allow larger tax-deductible retirement savings than an RRSP.

Salary vs. Dividend Strategy

How you pay yourself affects your taxes, RRSP room, and future pension. We help you find the right mix.

Tax-Efficient Corporate Strategies

Reduce tax drag on corporate investments so more of your company's money stays invested and working.

Succession & Exit Planning

Selling, passing the business to family, or retiring — plan the transition early to protect its value.

Group Retirement Plans

Group RRSPs and DPSPs that help your team save for the future and strengthen your compensation package.

Why Torre

Investing With a Real Partner.

Holistic, Not Transactional

We look at your entire financial life — insurance, taxes, goals — before recommending a single investment. Everything connects.

Disciplined, Long-Term Thinking

We don't chase trends or react to headlines. We build a steady, evidence-based plan and stay the course with you through every market.

Decades of Experience

With over 30 years guiding Canadian families and businesses, we've helped clients navigate every kind of market — and come out ahead.

Common Questions

Investment Questions.

It depends on your income now versus what you expect in retirement. RRSPs make more sense when you're in a higher tax bracket today; TFSAs offer flexibility and tax-free withdrawals. For many, the best answer is a thoughtful mix of both.

There's no rigid minimum to start a conversation. What matters most is having a plan. We work with clients at every stage, from young professionals opening their first account to retirees protecting decades of savings.

Banks often steer you toward their own products; robo-advisors give you an algorithm. As independent advisors, we build a strategy around you specifically — and you get a real person who knows your name and picks up the phone.

Absolutely. Corporate investing has unique tax considerations, and getting the structure right can make a major difference. We specialize in helping incorporated professionals invest retained earnings efficiently.

It depends on your income needs, tax bracket, and long-term plans. Leaving surplus in the company can defer tax, but it needs the right investment and withdrawal strategy. We'll model both options with you — and your accountant, if you have one.

Grow Your Wealth, Plan Your Future.