It has to be more than investment advice

The days of relying on an advisory team for just investment advice are gone. We demand to do more for our clients and we do. Our day-to-day work focuses on addressing and solving our clients' most pressing tax, estate and financial concerns. We ensure we provide regular communication and provide the service that you require and deserve.

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Service is more than just investment advice

Financial Planning

We help create a financial plan that fits your life goals

Whether you are married or single, still working or already retired, our planning process will be tailored to your specific situations.  Our process can help provide a clear indication of your ability to meet your objectives with detailed recommendations based on your specific needs.

Investments for you

We help find the right investments for your situation

We believe success depends on having a clear idea of what you want to accomplish. We focus on helping you create a long-term strategy appropriate for you. We believe in matching the most appropriate investment choices for your situation that focusing on minimizing risk and maximizing cash flow.

Investment Portfolio Construction

We construct portfolios that have complimentary investments

It's important to have complimentary investments in your portfolio to help reduce your risk.  Despite the wishes all your positions will soar, there will be periods when some of your holdings will lose money. When that occurs, you need other investments to offset the decline. Diversification ensures that by not "putting all your eggs in one basket," you will not be creating an unwanted risk to your capital by being too heavily weighted in one specific sector or with a particular company being slanted one way or another.

Regular Communication

We provide personal attention and regular communication

We are proactive and reach out to you regarding markets and how it's affecting your individual situation.  We communicate in the way you want.  You want a call, we call. You want to receive emails or texts, we email and text. You want to sit down face to face, we sit down face to face when you want. You need to meet at home or your office, we meet where it's most convenient for you. No matter where and when, we are there for you.

Minimize Taxes

We help minimize taxes on your investments

We help you determine the amounts of income that is required off of your investments to facilitate your life.  Once we know what these requirements are, we strategically structure your investments in accordance to your required risk to provide you with streams of income in the form of interest, dividend, and capital gain income.  We also take into consideration the types of accounts you have (non-registered, RRSPs, TFSAs) and ensure we draw upon these at the most opportune times as these types of accounts are all taxed differently and have different advantages and disadvantages.

Estate Planning

We help create an estate plan for your unique situation

A common misconception is that only the wealthy need to concern themselves with estate planning. This misconception can result in significant unnecessary costs to your estate and additional burdens for survivors. In fact, just about everyone can benefit from the development of an estate plan. Young or old, wealthy or middle class, an estate plan can reduce the taxes and expenses of an estate, simplify and speed the transition of assets to your beneficiaries and ensure that beneficiaries are protected.

Online & Mobile Access

We provide convenient online and mobile access

We understand that getting information about your accounts where you want and when you want in an easily accessible way is important. Access your account information from the convenience of your personal computer through our private client website, DS Online or directly from your mobile devices through our award winning apps.

Insurance Solutions

We advise on insurance strategies

Insurance strategies have gone from being mostly about security to being seen as extremely flexible and versatile tools that may offer immediate tax, investment and income uses for you, your family and your business. While the protection element of life insurance remains of critical importance, modern insurance policies combine both protection and investment attributes and can be used to provide policyholders with a variety of planning strategies and options for now and later.

Working with Your Professionals

We coordinate financial care with your attorneys and accountants

As you plan for retirement, you might find yourself with a whole army of advisors handling different aspects of your life, but are your attorneys, accountants, and investment advisor all on the same page when it comes to planning for your retirement? In many cases, the answer is simply "no." That is, your many different advisors typically do not take the initiative to coordinate their efforts, and often do not have all the information they need to effectively develop an integrated, holistic retirement plan for you.