Day-to-day money decisions are where your financial plan either feels smooth or stressful. At Schiller, Spence & Associates Private Wealth Management, mortgage planning services and cash management are designed to do more than manage debt and income, they create structure, flexibility, and opportunity.
We help clients across Alberta, Saskatchewan and BC align borrowing, saving, and spending with their broader financial strategy.
Serving clients in places such as: Lloydminster, Edmonton, Kitscoty, Vermilion, Lashburn, Paradise Valley, Paradise Hill, St. Walburg, and Marwayne.
Mortgage services designed around you
IG's mortgage services are designed to provide support during those moments with clarity and strategy. By working with a Mortgage Advisor, we assess your complete financial picture, analyzing assets, liabilities, and long-term goals to secure lending solutions that align with your wealth plan. The right mortgage isn’t just about the rate, it’s about flexibility, tax efficiency, and integration with your broader plan. For business owners, that may mean optimizing cash flow between personal and corporate accounts. For families, it’s ensuring predictable payments that preserve lifestyle and future goals.
Every detail, from structure to repayment strategy, is considered to keep your financial plan strong, resilient, and adaptable. Whether you’re buying, refinancing, or leveraging equity, our mortgage services ensure your borrowing decisions work in harmony with your long-term wealth objectives.
Related: How much mortgage can you afford? Try the IG Mortgage Calculator
Cash management that builds momentum
Money moves through your life in patterns, income, expenses, investments, taxes. Cash management brings clarity to these patterns, ensuring every dollar works efficiently. Our cash management services analyze inflows and outflows, identifying ways to reduce tax obligations, eliminate inefficiencies, and strengthen liquidity.
We map out your comprehensive financial landscape, personal, business, and investment, and design systems that strike a balance between immediate access and long-term growth. This may involve reorganizing accounts, optimizing savings structures, or establishing automatic systems to align cash flow with your goals. For high-net-worth families and business owners, it’s about ensuring resources are available when opportunity calls, without disrupting your overall plan.
Coordinated planning for complex lives
Every part of your financial life is connected. That’s why IG's mortgage advisor team works alongside your financial planner, tax specialist, and investment advisor to create one cohesive strategy. Together, we make sure borrowing, repayment, and investment decisions move in the same direction. For clients navigating business ownership, real estate investments, or succession planning, this coordination brings clarity and control, allowing wealth to grow efficiently across generations.