Customized Strategies

During this phase we address all of the issues that were important to you and create a strategy to take care of each issue.

Some examples of issues and strategies are:

ISSUE: "I've been investing for awhile, but I'm not sure if my investment strategy is the best for me."

STRATEGY: After a discussion of what you would like to accomplish, we would put together a strategic asset allocation strategy that would be specific to your needs and wants. As part of the strategy we will discuss the rate of return that you can expect, as well as the historical risks.

ISSUE: "I feel like I've lost control of my financial affairs."

STRATEGY: Our financial life planning process will allow you to identify the issues that are most important to you, which will help us to organize your financial affairs in such a way that you will feel confident that everything is taken care of.

ISSUE: "I want to make sure I can help my children go to college/university if they decide to."

STRATEGY: We would do a projection of the cost of tuition, room and board for all of the children and use a combination of in-trust accounts and RESPs.

ISSUE: "My mother is getting up there in age and I want to make sure that she continues to live with dignity."

STRATEGY: We would do a projection of the costs related to home care, as well as a private elder care facility. Based on the projected costs we would recommend a combination of a portfolio strategy and implement the best long-term care insurance product available.

ISSUE: " I know it may be tough, but I really want to retire by the time I'm 55."

STRATEGY: We would get an accurate snapshot of your current expenses and investments we would then project how much capital you would need to achieve that. Once that is complete, we would put together an investment portfolio that you are comfortable with, that will achieve the rate of return that you need to be financially independent by age 55.

ISSUE: "I'm self-employed and want to make sure that my family will be okay if I die prematurely or become disabled"

STRATEGY: We would get an accurate snapshot of your current expenses and calculate the amount of capital you need right now to cover your expenses. Once that is complete, we would shop the market for you to find the life insurance and disability insurance product that is right for you.