Our services

Our approach to investing is simple and straightforward.

Step 1: Understanding

Through in-depth discussion and financial analysis I come to understand your overall situation: time horizon, risk tolerance, income tax, estate planning, goals, and expectations.

Step 2: Planning

I make recommendations that suit your circumstances and retirement goals. The recommendations are based on your financial requirements and your personality, not our product list. You will soon appreciate our service and communication commitments and what to expect from us.

Step 3: Implementing

Your investment portfolio is constructed to align with your risk and return objectives, while incorporating estate planning and tax saving strategies where applicable.

Your portfolio will be constructed using a combination of treasury-bills, bonds, stocks, preferred shares, RRSPs, RRIFs, RESPs, TFSAs, mutual funds, exchange traded funds, corporate debentures, index funds, limited partnerships, GICs, etc.

Accounts are run on a non-discretionary basis which means I make recommendations, while you maintain control over the decisions being made. You and I will choose your investments without relying on external third-party managers unless you so wish.

Step 4: Reviewing

We continually monitor your investments and, when necessary, rebalance to enhance performance. I firmly believe in keeping clients informed and organized with regard to their investments. That is why a personal meeting is key. Held at your convenience, the meeting will help us determine if the strategies we are implementing continue to meet your financial needs. To conduct this review, we’ll invite you to a private working luncheon in one of our office client rooms.

I commit to meeting with you at least once a year to ensure your profile and the financial engineering we’ve designed accurately reflects your current situation. Of course, I’m happy to meet on a more regular basis if it suits you. As always, the choice is yours.

 

The comments contained herein are general in nature and are not intended to be, nor should be construed to be, legal or tax advice to any particular individual. Accordingly, individuals should consult their own tax advisors for advice with respect to the tax consequences to them, having regard to their own particular circumstances.