What We’re Thinking

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Collateral Damage or Free Rider?

The Week Ahead

February 21, 2017

It’s been a good week for the Canadian economy. Manufacturers posted a surprisingly strong jump in sales. Looking further out, there were some hopeful signs on two of the major downside risks facing exporters.

The border adjustment tax (BAT) embodied in the corporate tax reform plan promoted by House Speaker Ryan looks even less likely to proceed than it did a week ago. Several key Senate Republicans came out in opposition to it. Political pressure is being exerted by US businesses that would be losers due to their import content (retailers and refiners) or the loss of interest deductions (utilities). Markets are putting low odds on its passage, since it would be a huge negative for the currencies of countries with substantial US-bound exports, and instead we’re seeing the C$, for example, gaining ground.

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What is the Role of Trust and Estate Practitioners

And Why Are Their Professional Services So Important

February 16, 2017

The fundamental job of a trust and estate practitioner is to help individuals and families plan the transfer of their assets across generations. It is a specialized field and not all wealth and investment advisors are equipped to deal with the issues involved competently.

Both accredited members of The Society of Trust and Estate Practitioners (STEP) – you can recognize a member of by the letters ‘TEP’ (Trusts and Estates Practitioner) after their name – Debra and Tom Wooding are uniquely qualified to offer expert advice on a wide range of trust and estate matters.

What follows are just a few of the – often exceptionally sensitive – challenges upon which The Wooding Group is professionally equipped to advise our clients:

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About Us

Helping You Achieve Financial Success


About Us

Helping You Achieve Financial Success


The Wooding Group - CIBC Wood Gundy Edmonton

Debra Wooding

First Vice-President

All relationships start with a connection. That is how we forge a powerful bond between client and advisor. Read More…

Tom Wooding

First Vice-President

We nurture client partnerships built upon understanding, trust, and a collaborative approach. Read More…

Lindsay MacPhie

Investment Advisor

Being there when it matters most is fundamental to our approach as wealth advisors. We listen. Read More…


Additional Team Members

Our Difference

Get to Know the Key Members of Our Group


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Debra Wooding, First Vice-President

“I love getting to know people.”

Debra believes that all relationships start with a connection, and continue to grow by forging a powerful bond that endures. Read More…

Tom Wooding, First Vice-President

“I’m always learning in this industry.”

Tom applies his skills in a process driven manner to optimize gains and minimize risks, achieving our client’s goals. Read More…

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Lindsay MacPhie, Investment Advisor

“It’s about a relationship.”

Lindsay’s role as Business Leader and Associate Investment Advisor is integral to the sustained satisfaction of our clients. Read More…

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Our Services

Comprehensive. Integrated. Flexible. Goal-driven.


Wealth Management Process – We help our clients clearly identify and articulate their goals, dreams and obligations. Focusing on each client’s core life objectives, we develop a long-term financial and investment plan that reflects and accommodates your changing circumstances. At The Wooding Group there is no such thing as a typical client.


  • Private Wealth Management
  • Asset Allocation/Diversified Strategies
  • Portfolio Rebalancing
  • Financial Planning
  • Estate & Trust Planning
  • Asset Protection
  • Insurance Strategies
  • Charitable Giving Strategies
  • Intergenerational Wealth Transfer
  • Personalized Wealth and Financial Education

Discretionary Investment Management

Depending on your investment preferences and investable assets, we offer Discretionary Investment Management. Used by an increasing number of our clients, this premium service lets us respond rapidly to investment opportunities as market conditions change.

Discretionary Investment Management is a unique account where you delegate responsibility for day-to-day investment decisions to your Portfolio Manager. We are happy to discuss this option with you.


Investing for US Citizens

How It Has Become Increasingly Complex

inline-investingThe needs of US Citizens living in Canada have becoming increasingly complex following the passing of Foreign Account Tax Compliance Act (FATCA) legislation and implementation in July of 2014. Financial Institutions in Canada now report relevant information on accounts of US Persons to the Canada Revenue Agency (CRA), with the CRA passing the information to the IRS. While reporting for US Persons is not new, the fallout of FACTA has seen increased tax reporting requirements and therefore additional workload on accountants.

As a result, a record numbers of US Citizens have renounced their US citizenship (1,426 during July-September, 2015 – a new quarterly record). We believe with prudent planning, co-ordination with professional accountants and thoughtful investment choices, we can prepare US citizens living in Canada with all they require to minimize the burden of tax filing and allow them the privilege of maintaining their US Citizenship.

To save tax liabilities and costs, we match the investment choices available to US Persons with our existing ‘Purpose-Driven’ investment philosophy. The result is achieving your financial goals while keeping US Citizenship in mind as we consider prudent investment choices!


Find Out More About Our Experience

Transitioning Your Business

Sale & Succession Planning


Transitioning Your BusinessMost business owners say that starting their company was the most important financial decision they ever made. The second most important financial decision? Exiting it.

A company – particularly one that is family-owned – typically represents more than half of the value of its owner’s estate at the time the owner decides to dispose of it. As a business owner, the advantage of using the divestible assets held within your company to ensure a carefree retirement can be huge.

A single statistic supports this observation. Few business owners – as low as 10% – have a written business sale or succession plan. If you are one of the 90% without one, we have a suggestion to make.


Start a Conversation With the Wooding Group


Even if you have a sale or succession plan in place it makes sense to talk with us. The discussion is without charge or obligation, and the results might surprise you. We have rarely reviewed a business sale or succession plan that can’t be materially strengthened and improved.

We can help you maximize your corporate assets, organize your company for sale to a third party, transfer it to family members, or structure a management buy-out. An hour is all it takes to find out how to preserve, protect and maximize the value of what you’ve taken so much time and trouble to build.


Frequently Asked Questions

Things That You May Want to Know

To offer sound, unbiased, and independent advice. To build client relationships based on trust, integrity and partnership. To deliver thoughtful and pro-active client service. To deliver exceptional risk adjusted portfolio performance.

We have been private wealth advisors for almost 30 years. We manage the financial affairs of individuals, successful families, entrepreneurs, companies, and First Nation’s communities.

We seek relationships that are the right fit for the client and ourselves. We generally specialize in solutions for high net worth clients and their families.

Adherence to a prudent investment policy. Sustained, tax-efficient asset accumulation. Diligent preservation of purchasing power. And above all rigorous management of risk. All four skills are embedded in our DNA.

Contact Us

Get in Touch With Our Team

10180 - 101 Street, Suites 1700 & 1800, Edmonton, Alberta, T5J 3S4, Canada
780 498-5047 · 1 800 232-7296 (Toll-Free) · 780 498-5055