The Process
We follow a disciplined process and work with you to keep you on track to achieving your goals. A disciplined process keeps us focused on whats most important: helping you live life the way you want.
1. Discovery:
Just like a doctor who sees a patient for the first time, our most important job is to ask the right questions. Before any decisions are made we sit down and learn about your specific circumstances, needs, goals and dreams for the future. This is also an opportunity for you to find out more about us, our business and our investing philosophy. This "discovery is a continuous process and as time passes, and your situation changes, we will work with you to ensure that your investment strategy remains current.
2. Creating your Investment Policy Statement (IPS):
We pride ourselves in understanding your unique circumstances, from current situation to future goals. We use and analyze your personal and financial information to match your objectives and create an agreed upon investment strategy. This strategy is translated into stated financial objectives in a written Investment Policy Statement (IPS). This document provides the framework for managing your financial assets going forward and keeps your investment goals and preferences in clear focus.
3. Building your Investment Portfolio:
On top of access to leading-edge investment strategy and research provided by RBC Investment Strategy Committee, RBC Capital Markets and third-party independent firms, we take one extra next step.
We conduct our own 7 step analytic process to ensure you get the maximum results from your investments, while minimizing your risk. This process means you will receive appropriate investment recommendations, and each recommendation will be clear and well thought-out.
4. Developing your Comprehensive Financial Plan:
Having a well-managed and appropriate portfolio is essential to realizing your financial goals. However, we look at all aspects of your financial picture to construct a comprehensive financial plan, integrating personal and professional issues tailored specifically for you. This plan outlines specific strategies for meeting your personal and/or corporate financial objectives, such as debt restructuring, personal and corporate tax, comprehensive estate planning, insurance, investment objectives, and retirement planning strategies.
When presenting the plan, we explain all areas and answer any questions you may have. Once we have agreed on the plans strategies and objectives, you are given a printed and bound copy to take home. This plan will be reviewed with you annually, or any time a significant change occurs.
5. Implementation, Management and Review
We commit to executing all agreed upon strategies, in your financial plan. We meet with our clients face-to-face at least once per year an annual review at the beginning of the year and often a semi-annual review in the summer.
At these meeting we discuss your portfolios performance, address any questions or concerns you may have, review any major changes that may have occurred in your life, and see where we are at in terms of achieving the goals set out in your financial plan.
Get in touch
I would be happy to talk to you more about my investment philosophy and process. For more information, feel free to reach out.
