Business Details
Your Trusted Financial Partner in Western Canada
Achieve Wealth Management is a financial advisory firm dedicated to empowering clients to navigate complex financial landscapes with confidence. With over two decades of industry experience, our team specializes in personalized retirement planning, investment tax strategies, and estate planning, ensuring clients achieve long-term financial security. We leverage an affiliation with Portfolio Strategies Corporation, one of Canada's largest independent mutual fund dealers, to access top-performing products from 120+ investment firms.Our client-centric approach combines comprehensive financial needs analysis with unbiased recommendations, avoiding proprietary product pressures. We serve individuals across Saskatchewan, Alberta, and British Columbia, prioritizing transparency, education, and tailored solutions to help clients realize their financial aspirations.
Services
Retirement Planning
Estate Planning
Investment Tax Planning
Portfolio Analysis
Insurance Analysis
Highlights and features
- We offer 20+ years of financial advisory experience with personalized service
- Our affiliation with Portfolio Strategies Corporation provides access to 120+ investment firms
- We implement a six-step Complete Financial Needs Analysis Process
- Our team specializes in tax-efficient investment and retirement planning strategies
- We provide unbiased recommendations without proprietary product pressures
Services
Retirement Planning
Our retirement planning service helps clients build sustainable income streams through strategic RRSP/TFSA contributions, tax-efficient withdrawals, and longevity planning. We analyze current savings, project future needs, and implement diversified investment strategies to maintain purchasing power over decades. With expertise in government benefit optimization and estate transfer strategies, we ensure financial security throughout retirement years.
Estate Planning
Estate planning services focus on minimizing tax liabilities and ensuring smooth asset transfer through wills, trusts, and beneficiary designations. We help clients structure their estates to avoid probate delays, implement incapacity planning tools like powers of attorney, and create legacy strategies that align with personal values while complying with Canadian tax regulations.
Investment Tax Planning
This service optimizes investment structures to reduce tax burdens through strategic account selection (RRSP, TFSA, non-registered) and tax-loss harvesting. We analyze clients' income sources, investment vehicles, and estate plans to implement tax-efficient strategies that maximize after-tax returns while maintaining appropriate risk levels.
Portfolio Analysis
Portfolio analysis evaluates asset allocation, diversification, and performance against financial goals. We conduct comprehensive reviews of existing investments, identify inefficiencies, and recommend adjustments to align with risk tolerance and market conditions while ensuring cost-effectiveness and tax efficiency.
Insurance Analysis
Our insurance analysis assesses coverage adequacy for life, disability, and critical illness risks. We quantify protection gaps, recommend appropriate policy types, and ensure coverage aligns with financial obligations while balancing premium costs against potential income replacement needs.
People
Claude Kotyk
Co-Founder, Financial Advisor
With over 20 years in financial services, Claude Kotyk specializes in personalized investment strategies and retirement planning. He focuses on educating clients about tax-efficient wealth management while leveraging industry partnerships to deliver unbiased solutions across Western Canada.
Questions
What retirement planning steps should I take before age 40?
Start with RRSP/TFSAs, maximize contributions, diversify investments, and conduct regular portfolio reviews. Early planning leverages compound growth for long-term security.
Why is estate planning important for non-wealthy individuals?
Proper estate planning ensures your assets go to intended beneficiaries, minimizes probate costs, and provides incapacity protection regardless of estate size.
How does tax-efficient investing work?
We strategically place investments in different accounts (RRSP, TFSA) and use tax-loss harvesting to minimize overall tax burden while maintaining growth potential.
What insurance coverage do young families need?
Prioritize life insurance for income replacement, disability coverage, and critical illness protection to safeguard against unexpected financial disruptions.
Can I access U.S. investment products?
Through our affiliation with Portfolio Strategies Corporation, we offer access to 120+ investment firms including U.S.-listed securities and global market opportunities.
