This five-step process drives my development of your portfolio:

Understanding

Through in-depth discussion and financial analysis, I create a detailed profile of your overall situation: time horizon, wealth structure, risk tolerance, goals, and expectations. I ask my signature question to determine your expectations: “Within the next five years, what would have to happen to make you a happy client?”

Planning

In context of my understanding of your unique circumstances, I perform in-depth analysis, review and research, and prepare individualized reports that outline my asset allocation strategy recommendation and my service and communication commitments, so that you know exactly what to expect when working with me.

Presenting

I meet with you again to present and explain my proposed recommendations, ensure you understand them and my rationale thoroughly, and come to an agreement before proceeding. If you are comfortable, we sign the forms and finalize all strategies.

Implementing

I select investments to implement the asset allocation recommendation as outlined. Your portfolio is constructed with investments that are aligned with your risk and return objectives, while incorporating estate planning and tax saving strategies* to ensure you have adequate income for an enjoyable retirement.

Reviewing

Reviews are provided in a timely manner when appropriate given each client’s unique circumstances and expectations. Usually, this involves brief periodic reviews in the short term together with full comprehensive reviews once every business cycle of about five years. Key to the reviewing phase is determining if your profile is accurate and, by extension, whether it continues to meet your current and future financial needs.

 
* The comments contained herein are general in nature and professional advice regarding an individual’s particular tax position should be obtained in respect of any person’s specific circumstances.