Step 1. Understand Each Other

We believe a clearly defined client/advisor relationship is critical to long-term success. We spend a lot of time educating our clients prior to acting on their behalf, and ensuring that their comfort level and expectations are aligned with the personalized plan that we develop.

It is essential to learn all about your time lines, wealth structure, risk tolerance, income needs, long-term goals and legacy aspirations. My total solutions approach encourages you to consider your entire financial horizon — beyond investments. This way, we have a realistic context in which to make the right financial decisions as we plan and act down the road. A holistic approach to your wealth management will enable us to maintain our focus on the end goals over the years ahead.
 

Step 2. Create Your Investment Policy Statement (IPS)

Your IPS defines your unique circumstances today and plans for your financial future. It will outline your tax and estate circumstances, risk parameters, income needs over time, as well as the levels of service and communication you can expect from me. The IPS is essentially created in partnership with you, and evolves in line with your life circumstances and objectives.

We will sit down and review your IPS on an annual basis.
 

Step 3. Implement the Plan

Based on the information provided in your IPS, I will ascertain the optimal asset allocation and determine the best investment structure, managers and strategies to use for your needs and goals. We finalize the plan together before it is set into action.

Blackmont’s Integrated Managed Account (IMA) platform gives me flexible and unlimited access to the world’s finest money managers on a very cost-effective basis. The IMA platform has no pre-packaged formats I must follow, so I am able to deliver tailored solutions for your unique needs.

I use managers who are offering value for their services by conducting extensive research and due diligence practices prior to selecting investments, and employing proven, innovative and rewarding investment strategies. I also use certain exclusive vehicles available to me from time to time. For example, in 2006 I was selected as one of a limited number of top advisors in Canada to offer my clients the Resolute Performance Fund.

During this stage of the process, in order to develop and maintain an integrated, tax-efficient financial plan, it would be best if I worked with your legal, accounting, estate planning, or insurance advisors.
 

Step 4. Ongoing Monitoring

Your investments will continually be monitored and, when necessary, rebalanced to enhance performance. We spend a great deal of time seeking and evaluating superior investment solutions, considering history, expectations, tax efficiencies, fees, and transparency.
 

Step 5. Ongoing Reporting

I believe in keeping my clients informed and organized with regards to their investments. You can expect the following:

Performance update — a customized investment report that is prepared by us in a format and at a frequency level you desire.

Monthly statements — produced by Blackmont Capital Inc., these show your holdings at the end of each month.

Quarterly statements — generated by our fee-based program, these show your holdings at the end of each quarter. Also included are a balance sheet, profit and loss reporting, and a cash flow summary. An added benefit is the annual realized gain and loss statement, which simplifies your tax reporting.

Telephone and in-person contact — we will contact you through the year, and meet with you on an annual basis or as you desire.