We look at the full picture -
because your financial goals are deeply connected.

SERVICES at Tier Wealth
Personalized planning delivered through three distinct TIERs, evolving with your wealth and life.
Select your TIER below, and learn more about our services.
Ascension TIER
Realization TIER
Foundation TIER
A comprehensive experience focused on clarity, growth, and proactive organization.
For clients with investable assets up to $1,999,999
Tax Services
Annual savings strategy to optimize tax efficiency
Income splitting planning for spouses in different tax brackets
Contribution limit tracking (TFSA, RRSP, FHSA, RESP, RDSP)
CRA access for proactive tax reviews and opportunity spotting
Investment Services
TIER Wealth is a partner of Q Wealth Partners, a registered Portfolio Manager that provides discretionary investment management services designed for your needs and goals
Q Wealth Portfolio Managers will rebalance your portfolio rebalancing and manage risk exposures
Annual contribution planning for registered accounts
Estate Planning
Guidance on beneficiary designations, wills, POAs, and directives
Insurance analysis and disaster planning checklist
Retirement Planning
Goal-based retirement projections
Custom net worth reporting with ownership, values, and tax tracking
Retirement income planning (decumulation advice, CPP and OAS optimization)
An elevated, all-inclusive experience with advanced tax strategies and multi-generational planning. Includes access to online health consultations.
For clients with investable assets over $2,000,000
Tax Services
Annual tax return prep for your immediate family and personal trusts
Lifetime tax-efficiency planning, incl. tax-loss harvesting and income splitting
Spousal loan and tax instalment administration and payment automations
Charitable giving (in-kind, legacy planning)
Tax-efficient diversification of overweight investment positions
Snowbird support, IRS Form 8840, cross-border tax coordination
Investment Services
Access to custom portfolios and private equity/debt through our partnership with Q Wealth
Strategic asset location planning
Automated contributions (TFSA, RRSP, FHSA, RESP, RDSP)
U.S. account management via Q Wealth USA, SEC registered RIA
Estate Planning
Estate flowcharts, updated annually with dollar amounts
Multi-generational strategies: trusts, inheritance, charitable giving
Donor Advised Fund and Legacy Fund setup
Retirement Planning
Withdrawal strategies to minimize lifetime taxes
Corporate drawdown optimization
Pension decision support (commuted value, survivor benefits)
IPP design for incorporated clients
OAS clawback planning and deferral strategies
Monte Carlo simulations and “what if” scenario testing
Custom net worth reporting with ownership, values, and tax tracking
Empowering the next generation with financial education and guidance. Includes monthly Office Hours and semi-annual Finance 101 webinars.
Included with Realization TIER – for children and dependents
Tax Services
First-time filing support and education
RESP withdrawal and part-time income guidance
Tax optimization for early career/family
Wealth Services
First account setup and investing fundamentals
Coaching on compounding and long-term strategy
Estate Planning
Intro to estate basics and beneficiary designations
First Will and Health Directive provided via online partner
Retirement Planning
Coaching on saving, goal setting, and long-term thinking
Guidance on TFSA, RRSP and FHSA usage
Contribution tracking and optimization
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Address
140 4 Ave SW, Suite 1110,
Calgary, Alberta T2P 3N3
Contact
info@tierwealth.com
(825) 904-TIER (8437)
Disclosures
Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including TIER Wealth. As a client of Q Wealth, you may receive services from both Q Wealth and TIER Wealth. Note that individuals from TIER Wealth will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. TIER Wealth may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.
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