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Helping to Secure Your Future
MAC Financial Services Inc. provides integrated wealth management services by working with the accountants at MAC LLP and the licensed portfolio managers at TriCert Investment Counsel Inc.
Your Wealth Management Advisor will design a personalized financial plan and spearhead its implementation, giving you the confidence and clarity to achieve your goals and enjoy the things you love.
Did You Know?
Investment Management Fees in your non-registered account charged by investment counselors similar to TriCert Investment Counsel Inc. can be tax-deductible expenses. Make sure you are getting the most out of your investments and your tax deductions. Contact us today for more information.
Warren Buffett once said, “Cash is a bad investment over time. But you always want to have enough so that nobody else can determine your future.” That’s the essence of cash flow planning—making sure your money is saved, accessed, and managed wisely.
At MAC Financial Services, our Wealth Management Advisors work with our accountants at MAC LLP to create tax-efficient strategies for every stage of life. From deciding whether to take CPP early, contribute to an RRSP or TFSA, or minimize OAS clawback, we help you make informed decisions with clarity and confidence.
Not long ago, the general rule of thumb was that a million dollars was more than enough to retire comfortably. While that may still work for some, rising costs, longer lifespans, and evolving lifestyles mean that retirement can look very different for everyone.
Our Wealth Management Advisors help you understand what retirement could look like for you—how much you’ll need, how your lifestyle may change, and how to make the most of what you’ve worked hard to save. Whether your goal is Freedom 55 or Freedom 75, having a plan in place gives you clarity and confidence every step of the way.
They say only two things in life are certain: death and taxes. A thoughtful estate plan ensures your assets are transferred according to your wishes and with as little complexity as possible.
Our Wealth Management Advisors help confirm beneficiaries on registered accounts, explore strategies to reduce probate and income taxes, and coordinate with your lawyer to keep wills and powers of attorney current and aligned with your overall estate plan. You’ve worked hard to build your wealth—make sure it’s protected, optimized, and passed on smoothly to the next generation.
Even the best financial plan can unravel without the right protection in place. Insurance plays a key role in safeguarding your wealth and keeping your plan on track through life’s uncertainties.
Our advisors review all areas of coverage—including life, disability, critical illness, long-term care, and group insurance—to ensure you’re properly protected and prepared for the unexpected. Beyond protection, life insurance can also serve as an alternative asset class, offering potential growth and tax advantages, while providing an effective way to transfer wealth to future generations.
Through a referral arrangement, MAC Financial Services offers you direct access to TriCert Investment Counsel’s portfolio management services. Seamlessly working with the accountants at MAC LLP and your MAC Financial Services Wealth Management Advisor, your TriCert Investment Counsel’s Portfolio Manager takes a quality sector-based (QSect) approach to tailor an investment management strategy that is specific to your unique circumstances and is designed to meet your goals and provide peace of mind through volatile markets.
TriCert Investment Counsel is registered as a Portfolio Manager with the Ontario Securities Commission (OSC) in Ontario, its principal regulator, and with each relevant securities administrator in all other jurisdictions across Canada. TriCert Investment Counsel is registered as an Investment Fund Manager in Ontario. Today, TriCert Investment Counsel proudly manages over $3 billion in assets on behalf of thousands of clients.
TriCert Investment Counsel is owned in part by MAC Financial Services Inc.
To learn more visit tricert.ca
Contact MAC Financial Services
Robert Cliff, CFP
Wealth Management Advisor
Robert has been the Wealth Management Advisor at MAC Financial Services since March 2020. He has worked in the financial services industry since 2007 with experience in lending, financial planning and leadership at BMO and TD. With a wide range of experience and having received his Certified Financial Planner designation in 2017, Robert is able to guide his clients in all areas of their financial management.
Adam Baird, CFP, CIM
Wealth Management Advisor
With over 11 years in the financial services industry, Adam has built his career on helping individuals and families feel confident about their financial future. Before joining MAC, he worked at one of Canada’s largest banks, where he gained extensive experience in investment management and financial planning. Holding both the Certified Financial Planner (CFP) and Chartered Investment Manager (CIM) designations, Adam takes pride in making complex financial decisions easier to understand and putting strategies into action that align with his clients’ goals.