Personal Financial Planning

Over time you will accumulate wealth, but how you should best manage it? What are your various options to make your “nest egg” grow?

We can meet with you and review your current situation; discuss what your goals and concerns are; and provide you with an objective assessment of what things you need to consider going forward.

We can also work with you and your advisory team to assist in implementing your decisions, to ensure everyone is focused on the specific plan you have chosen to pursue.

Some areas that may require attention are:

  • A realistic assessment of your present and anticipated needs;
  • What ways you can protect your assets from others;
  • How diversified your specific asset portfolio mix should be;
  • How disability and/or critical illness insurance benefit you and your plan;
  • What stages of life warrant some form of life insurance protection;
  • How charitable giving strategies during your life and at death benefit you;
  • The importance of will planning to assure your wishes are carried out;
  • The benefits of creating a proper estate plan for your beneficiaries

Client Testimonials
  • " We have been with Michael’s firm for many years and have found that the service we received from Michael and his staff has always been excellent.  He thinks like an entrepreneur, so his business advice and networking connections have greatly benefited our businesses on an ongoing basis. We have been very happy with the firm’s services and will continue to use Michael’s firm for our business and personal needs. "

    Ron & Monica Trivett - Golden Environmental Services Inc.

  • " I have been using the services of Michael Kostrich Chartered Accountant since 2009 to prepare our corporate tax returns for Canada Revenue Agency and year-end financial statements for other government Ministries. We have numerous revenue sources and our book keeping is probably a little more complex than an average small business. I have found Mike and his team to be very organized in their approach, providing excellent service personalized to our unique needs. They deal with matters in an expedient manner ensuring that C.R.A. and other deadlines are consistently met. His office offers ongoing support throughout the year and I know if I have a question the answer is only an e-mail or phone call away. I would not hesitate to recommend Mike and his team to any small business owner who is looking for help with their accounting and tax needs. "

    Jan Beauregard - Owner/President | The Money Machine

  • " Mike and his team are true professionals who provide a personalized approach to fit all of your accounting, tax and business needs. They specialize in helping small to mid-size businesses and adapt to your own company wherever it is in its business cycle. As a sales and leadership coach, I know that having an experienced CPA firm as a trusted member of your advisory team can make the difference between you struggling and succeeding. That’s where Mike and his team have the proven business understanding and experience to provide you with the clarity and peace of mind to help you grow and prosper. I highly recommend Michael Kostrich CPA, CA for all of your business compliance and advisory needs "

    Rich Grof - Rich Grof Performance Sales Coaching and Leadership Development

  • " We are relatively new clients to Michael’s firm and couldn't feel more confident of having them as part of our advisory team. When we first had the pleasure of meeting Mike, he called and set up a time to stop by our shop just to meet us and get a "feel" for "OUR" business. His gentle and non pressure approach was welcoming. For those of us who don't talk "financial jargon", Mike certainly knew how to communicate to us in a language that we understood. That first "year" end had lots of questions & background digging and seemed overwhelming but he and his staff took the time to explain why, and didn't rush through things – they are professional, courteous and extremely diligent. I feel more confident of our accounting and tax situation because of Mike and his staff. They are professional, courteous and extremely diligent. We are thrilled to have made the switch to Michael Kostrich CPA Professional Corporation and would NOT hesitate to refer anyone, or any company BIG or small to them. "

    Chantelle Vroom - Superior Tire & Auto

  • " Mike’s firm was referred to us by a mortgage broker that we use for our real estate ventures. From the onset of our first meeting my wife and I immediately knew that Mike was a good fit to be part of our team of advisors we were building. He took the time to explain things slowly in a manner which we could easily understand. His patience was evident as we had an endless blast of "what if’s" and "can you explain that" questions as he laid out the landscape of how our real estate journey would look like from a tax perspective. His team is extremely professional and thorough – the many emails and texts that were sent back and forth gave us a true sense of their personal approach!! I would definitely recommend Mike and his staff to any new or seasoned real estate investors - we know we are in good hands moving forward. "

    Dan Spencer & Sheila Currie - Real Estate Investors

  • " We have been utilizing Michael’s firm for a number of years. His team actually makes the financial part of our operations enjoyable. We build fuel stations all over Ontario and value Mike’s firm as part of our team of advisors that makes what we do possible. I love how seamlessly they’re able to log into our system remotely and do their work. Helen always resolves our accounting questions quickly. The whole team is extremely accommodating. Mike is one of the very few people I go to for trustworthy financial advice. When I brought Mike and his team onboard, I was able to completely leave my accounting worries with them and focus on what I do best – grow my construction business and prosper. "

    Scott Bauman - President - Raymar Equipment Service

  • " Mike and his staff have been providing me, my company, friends and family with their accounting and tax expertise for the past couple of years. I highly recommend them to work with you to resolve any accounting and/or tax issues you may have. Mike and his staff are always accessible and respond quickly to any concerns or questions. You will not find a better firm to represent you! "

    Debbie Connolly - Connolly Insurance Services

  • " A great deal of growth in the last few years caused us to start looking for an accounting firm with the experience and confidence to guide us. Mike was referred to us by a friend who is a professional bookkeeper. She thought his down to earth, trustworthy, experienced approach would be perfect for us and she was right. As new clients, we couldn't be happier. Mike and staff do what they do best allowing us to focus on our specialty. We pride ourselves in honesty and integrity and having Michael Kostrich CPA Professional Corporation on our side helps us maintain that priority on all levels of business. Thank you for the generous sharing of your knowledge and expertise. We look forward, with confidence, to working with you in the years to come! "

    Rodney Geyer, O.L.S., O.L.I.P - Rodney Geyer, Ontario Land Surveyor Inc.