Tobac Group Private Wealth Management helps individuals and families in Winnipeg and beyond manage the financial complexity that often accompanies success. The practice works with affluent Canadians, including business owners, entrepreneurs, executives, pre-retirees, retirees and families with significant planning needs. Its approach is centered on comprehensive financial planning, long-term relationships and coordinated strategies that connect investments, taxes, retirement, cash flow, risk management, business interests and estate goals. Established as a wealth management practice serving clients since 1999, Tobac Group begins each relationship by learning what the client wants their wealth to accomplish. The team looks beyond account balances to understand lifestyle priorities, family dynamics, business considerations, future goals and concerns. That information becomes the foundation for a personalized financial plan that can be updated as circumstances change. For clients approaching retirement, the transition from saving to drawing income can create a new set of questions. Tobac Group helps clients assess how their savings and investments may support the retirement lifestyle they want, while also considering taxes, longevity, market risk and legacy goals. The team can help develop tax-efficient income strategies, review potential income gaps, monitor asset sustainability and adjust planning recommendations as retirement progresses. Investment planning is approached as one part of the overall financial strategy. Tobac Group follows a disciplined investment process that draws on the capabilities of IG Wealth Management’s investment team and global investment partners. Portfolio recommendations are designed to support the client’s broader objectives and work alongside their retirement, tax, estate and cash flow plans. Tax planning is integrated throughout the planning process because taxes can affect nearly every major financial decision. Depending on the client’s situation, the team may explore opportunities involving deductions and credits, retirement accounts, income planning, business structure, owner compensation and estate planning. The goal is to help clients make financial decisions with a clearer understanding of the tax implications today and over the longer term. Business owners and entrepreneurs often face another layer of complexity because personal wealth and company wealth are closely connected. Tobac Group can help owners think about building assets both inside and outside their business, maintaining personal financial flexibility, preparing for a future transition and creating a succession plan. For qualifying mid-market businesses, access to IG Private Company Advisory can provide additional support related to strategic advisory, raising capital, acquisitions or the sale of a business. Family wealth planning is another important area of focus. Tobac Group helps clients consider how and when wealth should move to children, grandchildren, charities or other beneficiaries. Planning may include estate strategies, intergenerational wealth transfer and discussions designed to prepare family members for significant future inheritances. The team believes that clear communication between generations can make long-term wealth planning more effective. When advanced expertise is needed, clients can benefit from Tobac Group’s access to IG professionals in tax, estate law, pensions, insurance, mortgages, portfolio construction, cash management and other specialized planning areas. With the client’s permission, the team can also coordinate recommendations with existing lawyers, accountants and business advisors. From its Winnipeg office at 461 Sterling Lyon Parkway, Tobac Group Private Wealth Management provides comprehensive planning designed to simplify complexity and help clients confidently grow, protect, use and transfer their wealth.