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The Right Plan
The Discovery Process™ to Clarify and Define
Sharing Strategic Information
Through in-depth consultations, we help you to identify and understand your value system — the process you use to make decisions. Your basic values become the personalized template we use to create and evaluate your financial plan.
We review your family’s financial and estate objectives, risk tolerance, time horizon and unique goals. Then, we examine the challenges and opportunities which exist today and those you’re likely to experience in the future.
Collecting and Evaluating the Facts
Together, we complete The Strategic Fact Finder™ and the Personal Legacy Record, proprietary documents carefully designed to define every aspect of your financial and personal circumstances, goals and objectives. Once complete, the Personal Legacy Record, along with regularly scheduled client reviews, allow us to evaluate your situation relative to your needs, goals and personal values.
We use this information to make appropriate recommendations to help guide you on the path to financial independence. These documents become signed contracts between you, the Badger Investment Group* and your other professional advisors. These confidential documents are safeguarded by the strictest privacy standards.
The Team Advantage™ to Co-ordinate and Simplify
Imagine the guidance of your Investment Advisor, lawyer, tax accountant, insurance specialist, and estate planner combined into one cohesive strategy. This saves you time and avoids the duplication and confusion which can occur when you obtain independent advice from multiple sources. Most of all, it ensures someone is taking care of the big picture so there are no gaps in your strategy.
We respect the long-standing relationships you have with other professionals. We will work with your existing team of advisors, or draw on the expertise of external specialists as required. Each advisor brings unique value to the table, creating a planning team greater than the sum of its parts.
Your Badger Investment Team Advisor acts as the facilitator for this team of experts, providing leadership in the following key areas:
Your needs and those of your survivors
We shape a model of your retirement lifestyle and ensure you will have ample income to achieve it. We also plan for your family’s needs so they are prepared if you require long-term care or experience a critical illness, disability or death.
Your wealth strategy
We follow a disciplined investment philosophy, working to set attainable expectations and minimize the role of emotion in decision making.
We adhere to a sound strategy designed to preserve capital and work toward slow, consistent appreciation.
We evaluate your investments and make asset allocation recommendations which help you conserve wealth, avoid tax, liability and loss, and maximize strengths and opportunities.
Blackmont’s Integrated Managed Account (IMA) platform gives us flexible and unlimited access to the world’s finest money managers on a very simple and cost-effective basis. IMA also provides valuable research that enables us to create a truly individualized portfolio for you without bias.
Ongoing evaluation and reporting
Monitoring ongoing investment performance is an important part of our service. Financial management is not a one-time event—it’s a robust, organic, ongoing process requiring constant rebalancing and refinement.
We closely monitor all aspects of your financial affairs and review your investment strategy regularly. Detailed quarterly reports on your portfolio provide you with a complete picture of your progress toward your financial goals. We communicate with you often so you’re always aware of challenges and opportunities. We provide education to develop your investment knowledge to ensure you understand the complex investment strategies and market events that impact your portfolio.
Your estate
We help you conserve and enhance a lifetime of achievement by developing an exit strategy to minimize tax and conserve wealth. Our estate planning service focuses on will planning, tax minimization, succession planning, and charitable giving.
We work closely with a network of established professionals to ensure you maintain control of every aspect of your estate and we take the time to answer your questions as we progress.
Our goal is to create a well-rounded estate plan which allows you to pass wealth on to the next generation efficiently and effectively.
Your legacy
We examine your paper trail—the documents which ensure your legacy is set in stone. These include your will, insurance policies and trusts.
Consultations will also centre around philosophical explorations of what you want your life to have been about. What really matters to you? What causes or charities do you feel are important?
We help you build a legacy to symbolize a lifetime of accomplishment in a meaningful and memorable way.
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The Right Plan