Pender Point Advisory

Being independent means we are free to work with any carrier or professional we choose. We are not limited to a single company’s products or structure, which allows us to recommend solutions that truly fit the client — not an institutional agenda.

Question: Would an “Advisor” at Company ABC be able to give you a solution from Company XYZ?

Answer: No, because the “Advisor” is compensated to only offer ABC related solutions.

1. Initial Consultation
Your journey begins with a complimentary meeting — held in person or virtually — where we take time to understand your situation, goals, and priorities. This is a chance to get to know each other and ensure we’re the right fit to help you.

2. Strategy & Solutions Review
In our second meeting, we’ll present personalized strategies and explore a range of solutions tailored to your needs. Together, we’ll review the advantages and considerations of each option to determine the most appropriate path forward. Should additional information or clarification be required, we can schedule a follow-up meeting to further refine and finalize our recommendations.

3. Implementation & Follow-Through
Once you’ve chosen your preferred strategy, we’ll guide you through the implementation process to ensure everything is set up correctly and efficiently. Our support doesn’t end there — we remain available for ongoing guidance as your situation evolves.

• Investment Management – TFSA/RRSP/FHSA/RESP/RDSP/RRIF/LIRA/Open Accounts

• Retirement Planning – Strategies to build, protect, and sustain your retirement income.

• Insurance & Risk Management – Protecting what matters most through life, disability, and critical illness coverage.

• Estate & Legacy Planning – Structuring your assets to preserve wealth and support your beneficiaries.

• Tax Planning Strategies – Coordinated approaches to help minimize tax impact and maximize efficiency.

• Education Planning – Saving and investing for future education needs in a tax-efficient manner.

• Charitable Giving Strategies – Designing giving plans that align with your values and financial goals.

• Business Owner Planning – Succession, compensation, and protection strategies for business continuity.

• Cash Flow & Financial Management – Budgeting, debt management, and optimizing day-to-day finances.

Pender Points primary clientele is based in British Columbia. We also also collaborate with a network of professionals and Advisors across Canada and the United States. This allows us to ensure that every client — no matter where they’re located — receives the right expertise and support to achieve their financial goals.