What You Should Expect
A COMPREHENSIVE FINANCIAL PLAN Together, we will develop a comprehensive financial plan to help you achieve your long-term financial goals. As part of this plan, we will cover the investment, insurance, tax and estate planning aspects of your situation.
PERSONAL RISK PROFILE My investment philosophy is essentially conservative in nature. Operating within each client’s risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk. As a result, both my clients and I sleep soundly at night.
ACCESS TO OUTSIDE SPECIALISTS I strive to serve as my clients’ primary financial advisor. As part of this role, I coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, I will facilitate access to other specialists including tax accountants and estate lawyers whose skills I comfortably endorse.
TAX SAVINGS OPPORTUNITIES For most clients, tax planning and minimization are key components of the financial plan. As part of the overall plan strategies such as RRSP planning, income splitting, and family trusts will be evaluated.
ONGOING ATTENTION Your account will be monitored to take advantage of the opportunities created by changing circumstances. In addition, your plan will be reviewed annually and appropriate adjustments made to address your current life stage.
COMPLETE AND REGULAR REPORTING Within 10 days of each investment transaction you will receive a trade confirmation. As well, you will receive a monthly statement detailing all transactions within the period. Every 6 months you will receive a summary of performance. Each statement is designed to be as clear as possible. I will review the format of the report with you to minimize confusion or misunderstanding about interpreting the results.
DIRECT CONTACT I make myself as accessible to clients as possible. All telephone calls and emails are returned by 5 pm the same business day.
VALUE ADDED I believe that my most satisfied client is one who is fully informed. As a result, I have a strong commitment to client communication through various mailings that provide updates on the market trends and events, and guest speaker’s presentations. In addition, I maintain a library of some of the very best books on personal finance, available on loan to all my clients.
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