First, let's first see if we are a good fit for each other! Come on in and meet Shelley and her team, let's chat. If we're a good fit for you and you're a good fit for us...we start to walk you through our process.
Then we create your financial Lifestyle Map, Shelley will begin by asking many questions and gathering all kinds of information from you...then comes the hard part - you will have homework to do, but we make it as simple and easy as possible, just gather your documents, we will do the rest.
Finally, we review your Lifestyle Map and design an action plan; we will take the time to help educate you and provide solid recommendations that are driven by advice, not products. We have no sales targets to meet, we want what's best for you.
Our investment approach is rational, structured and simple to monitor. Our main objective is to structure globally well-diversified portfolios for you based on your risk level. Your risk level determines the asset allocation of your portfolio. What we mean by that is how much fixed income versus how much equity you will hold in your portfolio. Asset allocation and diversification are the 2 most important elements when designing your portfolio. Psychology also plays an important role when investing - investors tend not to be rational when fear and greed are amplified by the media and the investment community – our job is to help you stay focused and tune out the noise.
We are independent, which means we’ve got access to a wide array of products but most importantly, no sales targets. Our recommendations are based on what we believe are the best products for you.
We are confident over time, a well-structured investment approach will add value and provide you with assurance that your portfolio will help you get to where you are going.
We'll cover the cost of the initial consultation.
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So, what does retirement look like in your future? Certainly not what it used to. By paying attention to your pension, you may be able to shape your retirement lifestyle to suit your lifestyle. Transitioning into retirement, and need to make a decision about your pension options? Contact us for a complimentary meeting to discuss and help you understand your different options.
Want to enjoy a secure retirement? Looking for peace of mind, sleep-at-night type income stream? When it comes that time to stop working, selecting the best possible income options may be the most important investment decision you will ever make. Guaranteed income for life gives you peace of mind by knowing that you will never out-live your savings. While annuities may not be for everyone, get the facts because they could be for you.
With the recent tax changes to private corporations, as a small business owner, you may want to revisit the benefits of an Individual Pension Plan (IPP) for your retirement. IPPs are an RRSP alternative for business owners and are a great way of transferring registered assets to the next generation of the family business.
Where are you on the retirement readiness spectrum?
Are you someone who worries about it constantly but are in paralysis as far as plans are concerned?
Are you perhaps great with your intentions and not quite the same at executing the plans you’ve got in your head?
Or, have your circumstances changed recently, either for the better or as a setback, making your plan for the future less relevant?
Wherever you are with your plans, we can help. We’ll help break down the retirement dilemma into smaller, bite-sized pieces. The amount you really need is not always the scary figure that makes the headlines in those viral articles! It depends on your current circumstances, the kind of lifestyle you want, the number of dependents you may have, and much more.
Our team combines tax and estate planning to help you make the most efficient use of your assets in retirement. Whether you want to start thinking about it in your 30’s, when you're nearly retired, newly retired or fully retired, we’ll create a written income plan that eases the tax bite on your retirement income over time and gives you peace of mind.
Dive a little deeper into the factors affecting the retirement income landscape in Canada. Learn what you should consider when building your plan and discover how we can craft a strategy that works just for you.
Many people believe that estate planning is only for the wealthy. This is simply not true. An estate plan allows you to decide how your assets are distributed both during your lifetime and at your death for those you care about most. Your estate plan should be structured to achieve your personal objectives and maximize the wealth passed onto heirs and charities while reducing taxes and other expenses.
The most successful people in the world are those who plan. It’s not that they always get what they want, but because those who plan place goals in front of themselves, they’re in a better position to at least go forward in the right direction. Our clients enjoy the wonderful peace of mind that comes from knowing that everything has been put in its right place.
As part of our value add to our investment clients – we provide them with our Family Recovery Binder, a must have for families on the go.
Thank you! We'll be in touch.
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