Wealth is more than numbers on a spreadsheet—it’s your security, your legacy, your ability to make choices. At Wherry & Associates, our approach to Toronto private wealth management is centred on clarity, trust, and forward-thinking strategy. We don’t believe in generic financial advice. We believe in structure, intention, and a deeply personalized wealth planning process that evolves with you.
From retirement to tax strategy, from investment planning to estate transfer, we offer high-touch private wealth management built for life’s complexities. Whether you’re preparing to sell a business, planning for a fulfilling retirement, or transferring wealth to the next generation, we help you move forward with clarity and confidence.
Wealth Planning: A Strategy Built Around What Matters
We offer a full spectrum of private wealth management services for high-net-worth individuals, families and business owners in North York, Toronto and across Ontario. Each service is structured to protect your peace of mind while positioning your wealth for long-term success.
Retirement Planning
Retirement is no longer a single event—it’s a multi-phase journey. We help you move from accumulation to decumulation with confidence, structuring income streams that are tax-smart, sustainable, and tailored to your lifestyle. Whether you’re retiring early or managing multiple pensions, we build flexible strategies that support every chapter of your retirement.
Tax Planning
You can’t grow wealth confidently if taxes are silently eroding it. Our tax strategies for high-net-worth individuals are proactive, integrated, and precise. We coordinate personal and corporate structures, optimize withdrawal sequences, and ensure every decision—big or small—reflects your long-term tax efficiency goals.
Investment Planning
We build investment strategies that support your broader wealth planning goals—whether that’s income generation, legacy building, or business sale preparation. As your investment advisor, we create portfolios that reflect your risk tolerance, timelines, and values, using both traditional and alternative investment options to power long-term success.
Insurance Planning
Insurance is more than a safety net—it’s a strategic tool for tax planning, wealth protection, and business continuity. We integrate life, critical illness, and disability coverage into your broader financial picture, ensuring your assets are protected without over-insuring or overspending.
Cash and Liquidity Management
Liquidity matters. Whether you're planning a major purchase, managing income from business or investments, or preparing for unexpected expenses, we build cash flow strategies that keep you agile without sacrificing long-term growth.
Estate Planning
A will is a start—but real estate planning involves timing, structure, and clarity. We design plans that protect your estate from unnecessary tax erosion, simplify the transition for your heirs, and reflect your values with precision. Our estate planning strategies ensure your legacy endures—and arrives intact.
Business Succession
We help entrepreneurs create exit strategies that maximize sale value, minimize tax burden, and ensure continuity—whether you're passing leadership to family, selling to a third party, or rewarding employees through a structured buyout.
Charitable Giving
Philanthropy shouldn’t undermine your financial plan—it should enhance it. We help you structure giving strategies that align with your tax goals, family values, and estate plans. Whether through donor-advised funds, charitable foundations, or gifting appreciated securities, we make sure your giving is intentional and impactful.
Intergenerational Wealth Transfer
Passing on wealth should empower—not overwhelm—the next generation. We guide families through intentional, tax-efficient transfer strategies using trusts, gifting, and smart liquidity planning. We also help you prepare heirs to receive and manage wealth with confidence and clarity.
Post-Secondary Education Planning
From RESP optimization to funding graduate programs or studying abroad, we help families support their children’s education without derailing retirement goals or long-term wealth preservation. We balance growth, flexibility, and access, so your wealth supports every stage of your family’s journey.
Why Clients Choose Wherry & Associates
We offer honest advice, precise planning, and deeply personal service. You get clear strategies, thoughtful guidance, and a partner who takes the time to explain each step—so you can move forward with confidence.
Let’s Build a Plan That Works—for Today, and Tomorrow
Your wealth deserves more than general advice. At Wherry & Associates, our wealth planning approach puts every piece in place—so you can live well now, and leave a legacy later.
Let’s build something meaningful together. Reach out to Wherry & Associates and discover how private wealth management, done right, brings clarity, control, and peace of mind.