Welcome
We Believe that:
- you are very busy. You have options and you expect integrity, honesty and professionalism.
- before we can advise, we must listen and understand your unique values and dreams.
- you want personalized, sophisticated, and innovative solutions, explained in clear simple English.
- you need protection from the media, your emotions and the tax man.
- the best results come from working together as partners and focusing on the things that you can control.
- life takes unplanned turns so we must be flexible and supportive in getting you back on track.
- finances and life are about balancing the present and the future, and although we can provide number crunching and recommendations, you are the best equipped to make the final decision since ultimately it will impact your future.
- you don't want sales pressure, what you really want is peace of mind and the knowledge that what we recommend is what we would do if we were in your exact position.
How Do We Do What We Do?
We have 2 processes that we follow: The first is our Investment Optimization Process™ a system for designing and monitoring portfolios. The second is our Wealth Maximization financial planning program. Each process starts with a panoramic overview of the situation and proceeds through several steps to ensure a thorough examination of the situation and possible resolutions. It is your choice whether you just want us to manage your assets or whether you want a simple or comprehensive financial plan.
What Do We Do?
Regardless of the services we provide, we start by understanding your current situation and your goals of what you are trying to achieve. Then we research possibilities , explain the options and set a plan of action to help you reach those goals. You will be provided with personalized integrated solutions which are well researched and documented. Your customized plan will be implemented using best of financial instruments ranging from High Interest Saving Accounts, GICs, and Segregated Funds, Pooled Funds and Private Investment Management Services ($million + portfolios). We also implement life insurance, disability insurance and critical illness insurance solutions as well as small business solutions (estate freezes, buy sells, shared ownership, IPP's, RCA's etc.)
Who Have We Done It For?
Our clients fall into 2 categories. First, there are the emerging affluent. These are clients who find themselves with significant assets that they've not had to manage before (high employment income, inheritances, life insurance proceeds, stock options etc.). Second, there are the clients in transition. These are people who are facing a large change in their lives (retirement, death of a spouse, separation or divorce etc.). A lot of our existing clients are successful small business owners and/or families who are within 10-15 years of retirement. Regardless of where our clients fall they tend to be down to earth, honest and realistic delegators who are coachable and committed to taking action and getting results.
What Makes Us Different?
STP: Simplification, Trust & Professionalism.
We have been told that we have a gift for being able to look at the whole picture, figure out what needs to be done and provide a complete financial solution in an easy to understand format. Our meticulous nature brings comfort to the detail oriented (who want to see all of the options and calculations) or the less detail oriented (who can rest knowing that we've done the homework so they don't have to worry). Our clients trust us and know that we always put their needs first. Lastly, they appreciate our professionalism and the fact that their personalized solutions are prepared and documented and that we do what we say we are going to do!
Recent Articles
Don't Bet Your Retirement on a Simple Approach
Posted on 05-08-2012You have probably heard about the old 70 percent rule that suggests retirees will need the equivalent of about 70 percent of your current income level to maintain their lifestyle in retirement. This assumes that your retirement living costs will be 30 percent less than during your working years. While it may have been applied appropriately for retirees two or three decades ago, it is fraught with significant risk and potential disaster for today’s retirees.
It Doesn't Pay to Procrastinate
Posted on 05-08-2012Many people have no idea. Some people have a vague idea. A few people, a very few, have it all worked out. When it comes to retirement planning, many people don't take action until forced to by a mid-life event (career change, death of loved one) or by hearing about seniors running out of money. It's strange that people find it so difficult to plan for their retirement. As all the basic financial books say, you start by recording your expenses, see where you can cut back, and then determine how much you need to save to achieve your retirement income goals. Yet, far too few Canadians take these presumably simple steps for their own financial success.
How to achieve financial success
Posted on 04-09-2012It is possible for just about everybody to achieve financial success. Getting there is usually not a matter of financial wizardry. By following some basic principles, you can make your financial dreams come true:
Set ObjectivesGoal setting is the foundation of achieving financial success. If you don't have a target to shoot for, how can you expect to hit it? By writing down your goals, you will clarify them and establish your personal and financial priorities. Be specific when setting goals. For example, instead of having a goal to reduce debt, set a goal to reduce debt by a certain amount by a certain date.
