Helping you connect the dots between your wealth, your business, your family, and your future.

At MacLanders Carruthers Wealth Advisory Group, advice starts with understanding the full picture.

We take time to understand each client’s family, business, goals, tax considerations, estate objectives, and long-term priorities before building a strategy.

Helping you connect the dots between your wealth, your business, your family, and your future.

At MacLanders Carruthers Wealth Advisory Group, advice starts with understanding the full picture.

We take time to understand each client’s family, business, goals, tax considerations, estate objectives, and long-term priorities before building a strategy.

Who We Help

man in suit standing my window

Business Owners

You’ve built the business. Now let’s make sure your wealth strategy keeps up. Focus on active business owners, sale proceeds, corporate investing, succession, retirement transition, and coordination with professional advisors.

doctor speaking to patient

Incorporated Professionals

Tax-efficient planning for professionals with more moving parts. Focus on incorporated professionals, medical professionals, corporate savings, tax efficiency, and long-term flexibility.

elderly couple on a hike

Retirees

Retirement income that looks beyond the monthly number. Focus on income strategy, OAS clawback awareness, withdrawal planning, portfolio structure, longevity, and lifestyle goals

family of 5 eating around a table

Families & Multi-Generational Wealth

Helping families transfer wealth with clarity and intention. Focus on family dynamics, estate planning, legacy planning, philanthropic wishes, beneficiaries, and next-generation conversations.

Who We Help

man in suit standing my window

Business Owners

You’ve built the business. Now let’s make sure your wealth strategy keeps up. Focus on active business owners, sale proceeds, corporate investing, succession, retirement transition, and coordination with professional advisors.

doctor speaking to patient

Incorporated Professionals

Tax-efficient planning for professionals with more moving parts. Focus on incorporated professionals, medical professionals, corporate savings, tax efficiency, and long-term flexibility.

elderly couple on a hike

Retirees

Retirement income that looks beyond the monthly number. Focus on income strategy, OAS clawback awareness, withdrawal planning, portfolio structure, longevity, and lifestyle goals

family of 5 eating around a table

Families & Multi-Generational Wealth

Helping families transfer wealth with clarity and intention. Focus on family dynamics, estate planning, legacy planning, philanthropic wishes, beneficiaries, and next-generation conversations.

Our Approach

Our approach is built around understanding what matters most to you. We take the time to understand your goals and circumstances, then develop and continuously refine a coordinated wealth strategy designed to support your long-term success.

Step

Understand

Get to know the client, family, priorities, responsibilities, opportunities, and what wealth is meant to accomplish.

Step

Coordinate

Consider how investments, corporate planning, tax efficiency, estate needs, charitable goals, and external advisors fit together.

Step

Build

Create a customized, tax-aware investment strategy aligned with goals, risk tolerance, time horizon, income needs, and the broader plan.

Step

Review

Walk through recommendations clearly so clients understand the why behind the strategy.

Step

Refine

Continue revisiting the plan as life changes, priorities evolve, and opportunities arise.

Our Approach

#1 icon

Step 1: Understand

Get to know the client, family, priorities, responsibilities, opportunities, and what wealth is meant to accomplish.

#2 icon

Step 2: Coordinate

Consider how investments, corporate planning, tax efficiency, estate needs, charitable goals, and external advisors fit together.

#3 icon

Step 3: Build

Create a customized, tax-aware investment strategy aligned with goals, risk tolerance, time horizon, income needs, and the broader plan.

#4 icon

Step 4: Review

Walk through recommendations clearly so clients understand the why behind the strategy.

#5 icon

Step 5: Refine

Continue revisiting the plan as life changes, priorities evolve, and opportunities arise.

What We Do

investment management icon

Investment Management

Build investment strategies around the client’s full plan, not in isolation.

wealth planning icon

Tax-Efficient Wealth Planning

Highlight account structure, asset location, registered and non-registered strategies, income splitting opportunities, corporate planning, and tax-efficient withdrawals.

seniors icon

Retirement Income Planning

Focus on income needs, government benefits, pensions, withdrawal strategies, longevity, healthcare, and long-term care planning.

handshake icon

Estate, Legacy & Wealth Transfer

Speak to estate objectives, beneficiary designations, family conversations, trusts, legacy goals, and philanthropic wishes.

briefcase icon

Business Owner Planning

Include corporate investments, liquidity events, business exits, succession planning, sale proceeds, and personal/corporate coordination.

charity icon

Charitable Giving & Philanthropy

Explain how charitable giving can align personal impact, tax planning, and legacy intentions.

What We Do

investment management icon

Investment Management

Build investment strategies around the client’s full plan, not in isolation.

wealth planning icon

Tax-Efficient Wealth Planning

Highlight account structure, asset location, registered and non-registered strategies, income splitting opportunities, corporate planning, and tax-efficient withdrawals.

seniors icon

Retirement Income Planning

Focus on income needs, government benefits, pensions, withdrawal strategies, longevity, healthcare, and long-term care planning.

handshake icon

Estate, Legacy & Wealth Transfer

Speak to estate objectives, beneficiary designations, family conversations, trusts, legacy goals, and philanthropic wishes.

briefcase icon

Business Owner Planning

Include corporate investments, liquidity events, business exits, succession planning, sale proceeds, and personal/corporate coordination.

charity icon

Charitable Giving & Philanthropy

Explain how charitable giving can align personal impact, tax planning, and legacy intentions.

Recent Posts

Weekly Strategy Perspectives: Nuggets vs. Noise: Q3 Review and Q4 Outlook

Oct 02, 2026 - BMO Private Wealth

Our views on investment strategy, given the events of the past week and their impact on equity and fixed income markets....

Your legacy in motion: The benefits and risks of early wealth transfer

Sep 28, 2026 - BMO Private Wealth

Our experts share some of the key considerations for families thinking of passing on wealth sooner rather than later....

Canada Investment Summit: What It Means for Businesses and Investors

Sep 25, 2026 - BMO Private Wealth

The Canada Investment Summit brought renewed attention to investment opportunities in the country and new, as well as pre-existing, strategies for influencing economic growth and competitiveness....

Helping you connect the dots between your wealth, your business, your family, and your future.

At MacLanders Carruthers Wealth Advisory Group, advice starts with understanding the full picture.

We take time to understand each client’s family, business, goals, tax considerations, estate objectives, and long-term priorities before building a strategy.

Start a Conversation

Helping you connect the dots between your wealth, your business, your family, and your future.

At MacLanders Carruthers Wealth Advisory Group, advice starts with understanding the full picture.

We take time to understand each client’s family, business, goals, tax considerations, estate objectives, and long-term priorities before building a strategy.

Start a Conversation

Who We Help

Business Owners

Incorporated Professionals

Retirees

Families & Multi-Generational Wealth

Who We Help

Business Owners

Incorporated Professionals

Retirees

Families & Multi-Generational Wealth

Our Approach

Step

Understand

Step

Coordinate

Step

Build

Step

Review

Step

Refine

Our Approach

Step 1: Understand

Step 2: Coordinate

Step 3: Build

Step 4: Review

Step 5: Refine

What We Do

Investment Management

Tax-Efficient Wealth Planning

Retirement Income Planning

Estate, Legacy & Wealth Transfer

Business Owner Planning

Charitable Giving & Philanthropy

What We Do

Investment Management

Tax-Efficient Wealth Planning

Retirement Income Planning

Estate, Legacy & Wealth Transfer

Business Owner Planning

Charitable Giving & Philanthropy

Our Team

Patrick Carruthers, CPA, CA, CIM

Investment Advisor

Jonathan MacLanders, CFA, CFP

Investment Advisor

Nouran Elshenawy, B.Comm

Investment Associate

Our Partners

Angela Oakes, MBA

Private Banker

Melissa Mosher

Private Banker

Danette Pottle, BA (Econ), MBA, PFP

Estate and Insurance Advisor

Brodie Taylor, CPA, CA

Director, Tax Planning

Kristie Smith, JD, TEP

Director, Estate Planning – Atlantic Region

Caitlyn Oxner, CFP®

Financial Planner

Karen Sparks

Director, Philanthropic Advisory Services

Wanda MacKay, TEP

Senior Trust Officer

Latest Wealth Insights

Latest Wealth Insights

Recent Posts

Weekly Strategy Perspectives: Nuggets vs. Noise: Q3 Review and Q4 Outlook

Oct 02, 2026 - BMO Private Wealth

Your legacy in motion: The benefits and risks of early wealth transfer

Sep 28, 2026 - BMO Private Wealth