What We Do
WHO WE ARE
A plan that’s tailored to your life
We’ve been helping people achieve their lifestyle goals and meet their financial needs for more than 30 years.
That’s not something that happens by filling out forms and plugging numbers into a computer (although we do those things as well). It comes from getting to know you, your circumstances, and where you want your life path to lead. Working with you, we build a holistic, personal plan that accounts for every dimension of your financial life—and manage the implementation of your plan proactively over the long term.
Our individualized, hands-on approach has allowed us to achieve an overall above-average rate of return through multiple market cycles.
Our independence gives you flexibility and more room to grow
We’re not bound to any one family of funds. As an independent financial consulting firm, we follow the fund managers whose track records, communication styles and grasp of economic trends align with our own proactive approach. That means we can tailor your portfolio exactly to your needs and risk tolerance.
Once we’ve set your plan with you, we meet regularly, communicate frequently, and take time to make sure you’re clear about—and comfortable with—the way it’s rolling out. We educate so you can participate, coaching you and broadening your understanding of available options so you can realize your vision for your lifestyle, your business, your children, your estate.
Completing your picture demands the expertise of other trusted experts—accountants, insurers, lawyers. We can refer you to collaborative partners ready to meet your full spectrum of needs.
Meeting all your planning needs
Our complete service offering covers the full range of your personal planning requirements:
Investment Management
- Financial and portfolio analysis
- Personal investment profiling
- Continuous account monitoring & reporting
- Regular communication about market developments
Retirement Planning
- Clarification of goals and objectives
- Definition of wealth requirements and retirement-age targets
- After-tax revenue planning
- Analysis of income sources (RRSPs, pension, CPP, OAS)
Tax Planning
- Revenue and tax analysis
- De-accumulation (withdrawing money tax-efficiently)
- Consultations with accountants/lawyers, as appropriate
- Identification and implementation of tax-planning strategies (e.g., income splitting)
Risk Management
- Insurance needs analysis
- Group benefits analysis
- Personal benefits analysis
- Emergency Fund Implementation
- Investment strategies to mitigate risk and protect your financial well-being
Estate Planning
- Financial and portfolio analysis
- Personal investment profiling
- Continuous account monitoring & reporting
- Regular communication about market developments
Financial Awareness
- Business planning
- Tax planning
- Creating a trust
- Insurance solutions