Our wealth management process sets the highest client experience standards.
Our process includes:
- A comprehensive discovery process that will focus on your lifestyle, which includes what you like to do both now and in retirement, what cash flow will you require to enjoy your lifestyle, how will that be generated, how will that be protected, and what other financial goals do you have for family, charities, and any other important areas of your life. What is unique is that we talk about your life and what you want to achieve; we will then help you attain the financial needs of your lifestyle so you may enjoy living it.
- Upon gathering all the relevant information, the next step we undertake is to create a financial roadmap. This is your lifestyle financial plan that will guide you from the current point in time through to retirement years and further, to ensure your estate visions are realized. This is the guide that we follow for your future; while life can bring change, we adjust your plan to these changes to keep your lifestyle goals on track.
- Bringing in our experts and working with your experts: part of developing your financial roadmap will require other experts in the areas of taxation, estate plans, and asset/income protection. We will utilize our extended team members and also work with your current professionals to build strategies that are custom to your needs. These experts, along with our wealth management team, will help to execute and quarterback all facets of your plan.
- A great financial plan has no value unless it is properly implemented and monitored through an appropriate investment strategy - we ensure this is done. Executing the plan sometimes requires stages to ensure strategies are completed. We prepare an implementation plan which allows us to address the immediate needs arising from the plan; we then put together a follow-up progress plan for the recommended strategies which may have a longer time horizon for implementation. This will ensure that all the plan recommendations are addressed and implemented, whether by our office or one of the other professionals whom you work with in their areas of expertise.
- Fulfilling your investment goals is an ongoing process. We help you achieve your financial priorities by Managing, monitoring and improving your plan as your priorities shift over time. With a customized investment portfolio we will build your lifestyle solutions. Our team is committed to maintaining regular contact to ensure your plan, your goals and your objectives stay on course. We diligently monitor market and economic conditions to ensure ongoing re-balancing with a focus on preserving your wealth, and taking advantage of market opportunities to maximize your portfolio performance. The Insights section is an area for our clients, providing informative reading material on investment and financial planning items that help keep you on top of the financial world. Remuneration for our advice and services is clear and never influences our recommendations – FEE STRUCTURE IS TRANSPARENT
At the centre of your wealth is your lifestyle. Our wealth solutions are designed to protect it from time-consuming complexities.
Whether you wish to plan for a sustainable retirement or a business succession, we will provide the specialist, blueprint and resources to do it. Not only do we have in-house experts and professional partners, we are dedicated to bringing all your solutions under one roof. So for any questions concerning your wealth, you will have only one call to make.
Comprehensive Financial Planning Services is the cornerstone of how we work with our clients.
We offer advice and strategies across the broad spectrum of financial services, so you will have a single headquarters for all of your wealth. Our suite of personal services include:
- Investment Advisory Services including Discretionary account management using Unified Managed Accounts
- Income Tax Planning & Compliance Services
- Risk Management & Insurance Services
- Estate & Trust Planning
- Philanthropy Planning
- Expense Management & Financial Reporting
- Sophisticated investment strategies
- Family trust accounts, Charitable gift accounts, Spousal loan strategies and Individual Pension Plans
- Group RRSP and Group Benefits through our specialists
Our unique position as a wealth management services firm allows us to deliver the best advice without conflicts of interest arising from financial product sales. Our investment recommendations come from a wide variety of expert opinions, including: Research Analysts, Fixed-Income Specialists and Investment Consultants.
Free from pressure to select internal products, and with the latitude to act solely in the best interests of our clients, we have zero conflicts of interest in our decision making process. Operating on a transparent fee based compensation model, means we will never trade unnecessarily in your account and also allows us to not defer a movement needed in your portfolio due to a potential commission that could be incurred. Again it allows us complete flexibility to manage investment portfolios for result orientated objectives.
We take pride in our selection process for our 3rd party managers and research lists we choose to use in the development of investment portfolios. A manager is evaluated not merely against their benchmarks and peers, but in the context of their utility to our client portfolios. We invest with managers that have proven themselves adept at running their strategies and businesses over time.
Our four rules to approach manager selection
Individual Insurance Solutions
You deserve a personalized solution. Insurance strategies can preserve your wealth, protect the value of your estate and maximize what you pass on to your loved ones. First, however, you must discover your particular needs. We don’t believe in one-size-fit-all solutions. To build a successful protection strategy, we need to measure your need in tangible ways. Once we understand your lifestyle, family situation and financial goals, we will help you to create opportunities with a personalized insurance solution. We will only work with the highest risk rated insurance companies to ensure their strategies when implemented will be in place when needed.