ONE TEAM
ONE STRATEGY
YOUR GOALS
CLARITY FIRST.
THEN CONFIDENT DECISIONS.
ANR Wealth helps individuals, business owners, and families who feel the pull between multiple financial decisions, retirement timing, income, portfolio direction, tax exposure, estate outcomes, and want those decisions working together, not in isolation.
We operate as a Private Advisory firm, built to support thoughtful decision-making as financial lives become more complex.
Before any long-term advisory relationship begins, we use a structured planning process to bring order to the conversation, so decisions are deliberate, informed, and aligned.
Private. Focused. No obligation.
IF THIS SOUNDS FAMILIAR, YOU’RE IN THE RIGHT PLACE
You’ve accumulated meaningful wealth, but your planning feels disconnected.
You have accountants, advisors, and professionals involved, yet no single, coordinated strategy guiding decisions.
You sense there may be tax or estate risks you don’t fully see yet.
You’re approaching an important transition, retirement, succession, a business sale, or intergenerational planning.
And you want calm, competent guidance, not product pitches or conflicting opinions.
WHO THIS IS FOR
This process is designed for people who:
Are facing important financial decisions that feel connected, but are currently handled separately
Are within 5–10 years of retirement, succession, or a business exit, or already navigating those transitions
Have accumulated meaningful assets and want structure, not noise
Feel uncertain whether their investments, tax strategy, and estate plan are truly working together
Care deeply about protecting their family and legacy
Behind the scenes, this usually involves decisions across investments, tax, estate, corporate, and family considerations, even if that’s not how you think about it day to day.
WHAT COORDINATION TYPICALLY INVOLVES
Behind the scenes, effective planning usually requires multiple decisions to work together not be handled in isolation.
• Investment and income planning decisions
• Tax exposure now and over time
• Estate and beneficiary alignment
• Corporate and ownership structures
• Family and legacy considerations
These areas don’t exist independently.
Changes in one often affect the others sometimes in ways that aren’t immediately obvious.
Our role is to help ensure decisions are made with the full picture in view.
WHAT WE HELP YOU WORK THROUGH
Most clients come to us with questions like:
Are we paying more tax than we should, now or later?
Is our corporate and personal structure actually aligned?
How do we create income that’s reliable and tax-efficient?
What happens to our wealth if something happens to one of us?
Will this be simple and secure for our spouse and children?
These questions rarely exist in isolation.
They’re connected, and answering one often changes the others.
That’s where Private Advisory thinking matters.
Private. Focused. No obligation.
COMMON BREAKDOWNS WE SEE
Most issues aren’t caused by bad advice, they’re caused by advice that isn’t connected.
• Investment decisions made without tax awareness
• Estate plans that don’t reflect current assets or structures
• Corporate strategies that create unintended personal consequences
• Income plans that work on paper but break down in practice
• Complexity that quietly grows without a clear coordinating framework
These issues rarely show up all at once.
They accumulate over time especially during transitions.
OUR PLANNING APPROACH
STEP 1: ADVISORY CONSULT
A focused, one-on-one conversation designed to clarify what truly matters, why it matters, and what decisions need to come next.
We use a simple Planning Horizon to guide the discussion.
This allows us to identify the two or three priorities that actually drive the planning, and why those priorities matter now.
This is not a full financial plan.
No products are discussed or recommended.
Outcome:
Clear priorities, shared context, and a grounded decision on whether deeper planning makes sense.
Above the horizon, what matters most, why it matters, and the outcomes you want to protect or create
Below the horizon, how things are currently structured, who is involved, and when decisions need to be made
STEP 2: INTEGRATED PLANNING ENGAGEMENT
For those who move forward, planning deepens through an Integrated Planning Engagement, a coordinated review designed to connect the full financial picture.
This engagement brings together two integrated pillars:
ANR Chartered Professional Accountants — tax strategy, corporate structuring, and estate coordination
ANR Wealth — income planning, portfolio oversight, and advisory coordination
Outcome:
A prioritized Action Roadmap and a clear determination of whether an ongoing Private Advisory relationship makes sense.
DECISION POINT
Planning work at ANR Wealth is intentional, scoped, and fee-based.
The purpose of the Advisory Consult and Integrated Planning Engagement is to determine whether a Private Advisory relationship is the right fit, and what that relationship should look like.
Private. Focused. No obligation.
Why ANR Wealth Is Different
TAX
WEALTH
ESTATE
INSURANCE
CORPORATE PLANNING
Most advisory firms focus on one slice of your financial life.
ANR Wealth integrates tax, wealth, estate, insurance, and corporate planning into a single, coordinated strategy.
Your Advisory Team
Stacy Arseneault, CFP, CHS
Wealth Strategist
30+ years helping business owners and families navigate complex financial decisions with clarity and confidence.
Jason Rideout, CPA, TEP
Tax & Estate Planning Partner
Providing deep expertise in tax, corporate structuring, and estate planning through ANR Accountants.
Together, we offer a level of integration rarely available to Canadian families and business owners.
Your Advisory Team
Stacy Arseneault CFP CHS — Wealth Strategist
30+ years helping business owners and families navigate complex financial decisions with clarity and confidence.
Jason Rideout, CPA, TEP — Tax & Estate Planning Partner
Providing deep expertise in tax, corporate structuring, and estate planning through ANR Accounting.
Together, we offer a level of integration rarely available to Canadian families and business owners.
What Happens Next?
After the planning process, one of three things usually happens:
We continue working together in a Private Advisory relationship
We support specific implementation needs where appropriate
Or we confirm that no further action is required right now
Our work is designed to support clear decisions and well-aligned long-term outcomes, especially as complexity increases.
FIT MATTERS
This approach is intentionally focused and not designed to be a fit for everyone, by design.
This process is not designed for people who:
Are looking for product recommendations or one-off opinions
Want advice without accountability or a defined relationship
Prefer decisions to be handled independently, rather than coordinated
If you’re comfortable managing things on your own until complexity increases, this approach may feel unnecessary right now.
If you’re unsure whether your current strategy is aligned, or whether a Private Advisory relationship makes sense, the next step is an Advisory Consult.
This conversation is designed to bring clarity, not commitment.
Private. Focused. No obligation.
FREQUENTLY ASKED QUESTIONS
Do you replace my existing advisor or accountant?
No.
ANR Wealth is designed to coordinate decisions, not replace trusted professionals.
When appropriate, we work alongside existing accountants, lawyers, and advisors to ensure everyone is operating from the same strategy and priorities.
The goal is fewer disconnects — not more relationships.
What the advisory consult is and is not
The Advisory Consult is:
• A focused, private conversation
• Designed to clarify priorities, risks, and misalignment
• Intended to determine whether deeper planning makes sense
The Advisory Consult is not:
• A product presentation
• A full financial plan
• A commitment to ongoing work
Its purpose is clarity — nothing more, nothing less.
How fees are approached
Planning work is intentional, scoped, and priced based on complexity.
Fees are discussed only after fit is confirmed and the scope of work is clear.
This ensures expectations are aligned before any decisions are made.
When this approach makes the most sense
This approach is most valuable during periods of transition, such as:
• Approaching retirement or drawing income
• Succession or business exit planning
• Changes in family or ownership structure
• Inheritance or intergenerational planning
• Increasing complexity across accounts or entities
During these moments, coordination matters more than optimization.