Customized Investment Solutions

Investment solutions for your financial needs

Customized Investment Solutions is the cornerstone of our business. Our focus is on determining your needs, goals and objectives as well as your investment comfort level (risk tolerance) and designing and managing a portfolio designed specifically for you.

Your investment solution may be a purely income or cash flow type portfolio where the objective is to send regular income directly to your bank account. Or it may be purely growth oriented with a wealth objective set for the long term. Perhaps your needs are somewhere in between. Whatever your needs, we strive to provide a customized solution.

Contact us or send us a copy of your investment holdings for a free, no obligation review of your current portfolio.

Our investment philosophy

Our focus is on you. As a unique individual, you have specific goals, needs, and concerns, thus the decisions that we make are aimed to add value to your portfolio. The investment markets are dynamic and constantly change, but you will be the focal point in our commitment to help you reach your investment goals.

There are many ways to describe an investment manager style. Commonly used terms include value; growth; quantitative; balanced; equity; fixed income; top down; bottom up; strategic or tactical asset allocation. In reality most managers do a little of each and we thought it might be useful for you to understand a little more about the process used at Worth / Allaye-Chan Wealth Management Group*.

A top down approach is used to determine the intermediate term tactical adjustment to asset allocation as well as sector and geographic portfolio weightings. This involves our analyzing the reward to risk possibilities for each asset class to achieve the portfolio that would provide the ideal risk adjusted return.

In selecting stocks (foreign and domestic) we use a "bottom up" style which begins with an analysis of securities which might be the best choice for the objective chosen. We screen thousands of stocks daily (both in house and through third party service providers) and rank them by various criteria that are required for our models.

We have direct access to multiple institutional fixed income and money market facilities across Canada which allow access to a wider selection of issuers at competitive pricing. Our years of experience and the relationships we have built in these markets help us to serve your fixed income needs.

We use model based portfolios to maximize discipline and consistency, striving in each case to maximize return for the selected level of risk taken.

Your portfolio process

The process involves straight forward client focused steps which are informative, transparent, and constantly updated over your investment time horizon:

Discovery: A discussion covering your financial status, time horizon and investment situation etc. In this regard, your privacy is paramount.

Investment plan: Together we build an investment / wealth plan to get you there, whether that be building wealth, preserving it, planning for retirement or in retirement planning, wealth transfer to beneficiaries and life insurance; and often all of these objectives which comprise your financial life.

Investment policy statement: A document outlining the details of your specific financial plan. This is to ensure we are clear on what you want us to do and how you want us to invest your money. The investment policy statement governs how we manage your money, and subsequently your overall investment portfolio composition.

Solutions: We review the solutions that are right for you and ensure the choices are within the boundaries of your tolerance for risk yet capable of achieving your investment goals.

Investment management agreement: A managed account agreement outlines the relationship you have with us including fees and services.

Reporting and review: We report to you monthly and provide detailed quarterly reporting. You decide how frequently you want to meet with us, usually at least once a year. When you meet with us, we review performance, discuss any changes to your financial status and answer questions you may have. In essence we review how the program is doing relative to the plan.

Update and adjustment: The cycle of discussion, investment management, reporting and review is continuous, transparent, and flexible. It provides you with your own customized investment solution, which is adjusted as your needs change.

Services

We offer a very comprehensive set of services to our clients and apart from the fee for actually managing your portfolio(s) there is no charge for the added value. In fact, it costs nothing to visit with us and discuss your needs and determine what might be a suitable investment policy and portfolio design for your needs. Apart from the portfolio process we offer added value through:

• Electronic transfers to and from your bank account where needed
• Regular transfers from your bank account when requested
• Quarterly or Semi annual performance reporting
• Quarterly market and economic reviews and newsletters
• Assisting your accountant with preparing investment income reports
• Referral to an experienced accountant if required
• Referral to a tax or estate lawyer for the structuring of trusts, wills and estates if requested
• Referral to our insurance experts if needed

Insurance and annuities

Insurance^†

Through Macquarie Insurance Services Ltd., we have a team of specialists who can help with quality advice to assist you when considering how to provide for your loved ones in the event that you become ill or injured, or die unexpectedly. Insurance can also be a wise tax minimization strategy that helps you provide for your retirement lifestyle. Ask us about:

• personal and corporate owned life insurance
• term insurance
• disability insurance
• critical illness insurance
• long term care Insurance

Ask us for more information regarding your insurance options.

Annuities

An annuity is an investment that you buy to receive a guaranteed income for a set period of time — even for life. Annuities work like life insurance in reverse. With life insurance, you pay a certain amount each month over many years so your loved ones will get a lump sum when you die. With an annuity, you pay a lump sum up front, and get income over many years.

Term-certain annuities guarantee you a set income for as many years as you want, up to age 90. If you die before you receive all your payments, they continue to go to your estate.

Life annuities give you a set income for life, but payments will stop when you die and no money will go to your estate. A method used to replenish the estate when this happens is to back up the annuity with a life insurance policy. Also, you can add extra options to your agreement to get a life annuity that makes payments to your spouse after your death, or an annuity that increases your income to keep up with inflation.

Ask us for more information regarding annuities and your customized options.