Contact
Dumitru Flanagan & Associates Private Wealth Management
(250) 704-4025
Amanda.Dumitru@igpwm.ca
IG Wealth Management Inc.
At Dumitru Flanagan & Associates, we believe financial planning should be as dynamic as your life. Whether you're transitioning into retirement, scaling your business, managing executive compensation, or securing your family's future, we provide expert financial planning in Victoria that anticipates challenges, minimizes tax burdens, and ensures your wealth works for you.
Pre-retirees and retirees
Retirement means securing the lifestyle you’ve earned. But without a structured financial strategy, the biggest question remains: will your wealth last? Victoria financial planning with Dumitru Flanagan & Associates ensures that every dollar is optimized, every investment protected, and every withdrawal planned for maximum tax efficiency.
- Sustainable retirement income that adapts to market shifts and your changing needs.
- Tax-smart withdrawals to keep more money in your pocket.
- Estate planning that ensures a seamless transition for your heirs.
- Health & longevity planning to safeguard your financial security for decades.
Women's wealth and well-being
Financial transitions—whether through divorce, business ownership, or taking control of your financial future—can be daunting. We provide clear, structured guidance that ensures confidence and security at every stage.
- Divorce & pension planning that ensures financial stability post-separation.
- Business ownership strategies that optimize cash flow and retirement savings.
- Retirement planning for self-employed women without employer-sponsored plans.
- Wealth protection & legacy planning to secure financial independence.
Families
Financial security doesn’t happen by accident—it’s built through Victoria financial planning that connects every element of your family’s financial life. Whether you’re creating a wealth transfer strategy, funding education, or supporting aging parents, we provide a structured approach to keep your financial future clear and connected.
- Wealth transfer & estate planning to protect and pass down assets efficiently.
- Education savings strategies that maximize government grants.
- Long-term investment strategies that secure generational wealth.
- Financial education for heirs to ensure they’re ready to manage their inheritance.
Business owners and entrepreneurs
Your business is your greatest asset—but is it working for your personal financial goals? We align business strategies with personal wealth to ensure you’re maximizing growth, minimizing tax exposure, and planning a seamless exit strategy when the time is right.
- Tax-efficient income structuring that balances salary, dividends, and reinvestment.
- Risk management to protect both personal and business assets.
- Succession & exit planning that ensures a smooth transition and maximum valuation.
- Investment strategies that make idle cash work harder for you.
Health care professionals
Your focus is on patient care. Ours is on securing your financial future. From tax-efficient income structuring to investment management, we make sure your hard-earned wealth is positioned for maximum efficiency and long-term stability.
- Tax strategies to keep more of your earnings in your hands.
- Investment plans that balance stability and growth.
- Corporate insurance planning to protect your wealth and your family.
Executives
High-income careers come with unique financial complexities. From stock options and deferred compensation to high tax brackets, our Victoria financial planning services cut through the complexity, ensuring that your wealth isn’t just growing—it’s optimized for the long haul.
- Maximizing stock options & equity compensation while minimizing tax exposure.
- Retirement structuring that integrates pensions, RRSPs, and corporate benefits.
- Tax strategies that reduce liabilities and ensure long-term wealth retention.
- Wealth preservation through intelligent investment and estate planning.