Most advisors in our area will counsel you to buy mutual funds or other kinds of pre-packaged programs and hold them despite the market conditions. This is the approach of many advisors who grew up in the eighties, which was the best prolonged bull market in history. During that mutual fund era, many advisors developed an unrealistic perspective on the markets.

Many investors avoid risking their money and play it safe by buying GICs or CSBs at a very low rate of return.

Valuable lessons in economic history have given me a unique perspective and a solid understanding of business cycles. My team and I believe strongly in investing in a whole range of products that are very safe, provide a regular income to smooth out your return over time, and also provide the opportunity for growth. We focus in this area, shifting assets around as risk and reward parameters change.