Our Approach
Process
Specialities

Process

Profiling

Through in-depth discussion and analysis with you, we create a detailed profile of your financial situation, time horizon, risk tolerance level, goals, and expectations. If appropriate, we may also prepare a detailed personal investment plan at this stage to help you manage debt levels or implement a consistent savings strategy.

Planning

In this phase, we prepare an individualized Investment Policy Statement (IPS) for you. The IPS incorporates our asset allocation strategy recommendation and also outlines our service and communication commitments so that clients know exactly what to expect when working with us.

Implementing

At this point, we select investments to implement the asset allocation recommendation outlined in the IPS. As we construct the portfolio during this phase, we ensure that each holding is aligned with your risk and return objectives. Your portfolio is constructed using combinations of Managed and Advised accounts.

• Managed accounts are run by external investment managers on a discretionary basis.
• Advised accounts are run on a non-discretionary basis. We make recommendations for these accounts but you maintain ultimate control over the investment decisions being made. These accounts can hold virtually any investment vehicle – stocks, bonds, trusts, mutual funds etc.

Reviewing

Every quarter we provide you with a performance report that summarizes the individual securities held in your portfolio. As well, we provide comprehensive year-end performance reporting that outlines realized capital gains and losses so that you understand how your portfolio is working for you. Key to the reviewing phase is a personal meeting with you where we determine whether your profile remains accurate and, by extension, whether it continues to meet your current and future financial needs.

We commit to meeting with you at least once a year to ensure your profile accurately reflects your current situation.