Investment Planning Counsel - Stefano Francescut, Senior Wealth Advisor

Investment Planning Counsel - Stefano Francescut, Senior Wealth Advisor We provide customized expert wealth management at every step of your financial life. Take the Next Step to financial success.

Our Next Step Wealth Management service prioritizes your goals, sets benchmarks, achieves goals, and monitors your success. Most business owners and professionals spend time growing their careers and businesses, while financial planning and legacy goals often get pushed aside. That can lead to missed tax opportunities, unclear retirement plans, and a lack of direction around wealth transfer. Have

you considered the following:

► Are you on track to retire comfortably and on your timeline?
► Have you conducted a ‘what if’ analysis to ensure your retirement plan can weather life’s uncertainties?
► Is your financial blueprint aligned with your goals and designed to manage risks along the way?
► Are you aware of how tax regulations could impact the distribution and taxation of your retirement income?
► Do you know if you have taken advantage of all tax planning opportunities?
► Do you have strategies in place to make your retirement savings last while still leaving a legacy?
► Is your net worth heavily concentrated in your company, and you’re unsure how to strategically transform corporate earnings into personal wealth tax efficiently?
► Is the majority of your retirement assets locked in an RRSP or a company stock that will be subject to increasing taxation as the account grows over time?
► Is your net worth heavily concentrated in company stock, and you're not sure how to diversify it?
► Have you considered how to make your philanthropic giving more impactful while minimizing complexity and taxes? By leveraging our Ascent by Next Step Wealth Strategy, I help our clients prioritize and plan for retirement and navigate the complexities of intergenerational wealth. Our team is multi-disciplined and talented at offering advice and guidance on everything from investment management, financial independence & retirement planning to family matters, including estate planning, generational wealth, and legacy planning. If you’d like to explore how I can help you build financial confidence and create a lasting legacy, feel free to connect with me.

06/02/2026

CPP and OAS decisions can trigger unexpected tax issues if they’re not coordinated properly. Learn how benefit timing, RRSP/RRIF withdrawals, and total income levels interact—and what to watch for to avoid common retirement tax traps.

06/02/2026

With AI set to reshape the working world, Gen Z can expect to hold twice as many jobs as previous generations.

05/31/2026

Business owners could unlock significant tax savings if they sell their business to an employee ownership trust (EOT) now that Ottawa is making the regime’s key tax break permanent.

05/31/2026

The OAS clawback zone can quietly reduce retirement income if it’s not planned for properly. Learn how income sources, withdrawal timing, and tax decisions affect OAS eligibility—and what to consider to manage this risk more effectively.

05/30/2026

With the conflict in Iran easing at last with a peace deal between Tehran and Washington seemingly near at hand, many crucial questions remain that point to continued high oil prices for months to come.

05/29/2026

Financial planning in your 60s comes with unique tax traps that can quietly reduce retirement income. Learn how timing RRSP withdrawals, CPP and OAS decisions, and income coordination can help reduce taxes and protect long-term cash flow.

05/29/2026

Thinking about rebalancing? It makes a lot of sense, and could be especially important today.

05/28/2026

The gap between the market’s earnings yield and bond yields has narrowed, a measure that has at times predicted subpar stock returns.

05/27/2026

Market crashes can expose weaknesses in a retirement plan, especially during income years. This short explains how thoughtful retirement planning can help manage downside risk and support long-term financial stability.

05/25/2026

Market downturns can have a bigger impact once retirement withdrawals begin. This short explains key planning considerations that can help Canadians manage volatility and protect long-term retirement income.

Address

160 Broadway Boulevard, Suite 224
Sherwood Park, AB
T8H2A3

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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