We pride ourselves on the quality of service that we offer. Not only will you find that by working with us we will respond in a professional and timely manner, we are always seeking to find new and innovative services that will provide you and your family an opportunity to interact with our team.
Five Laws of Wealth - Successful people manage their finances in a specific way. We've analyzed and distilled that format to create five specific principles better known as "The Five Laws of Wealth Creation."
Law #1 Set a Goal - Every successful business or individual is goal-oriented. Remember, if you don't know where you're going, any road will get you there. If you aim at nothing, you will hit it with amazing accuracy.
Law #2 Use Other People's Expertise - Every successful individual and business, recognizes the use of a "board of directors" to help attain wealth. Your board may consist of your personal financial advisor, accountant, lawyer, role model. It's up to you. Who's advising you on how to become financially independent in the future? Your rate of personal financial success is a function of the qualifications, and experience of your board members.
Law #3 Use Other People's Money* - Every successful company and individual is well versed in the use of other people's money. Working with other people's money can provide you with phenomenal benefits and can reinvigorate your financial affairs - if done prudently. For many investors, the only way to maximize the amount of capital working for you is to borrow.
Law #4 Pay Yourself First - Creating wealth requires discipline, and consistency. To be successful, remember that a part of what you earn is yours to keep. Don't forget to pay yourself first.
Law #5 Invest For the Long Term: Buy. Hold. And Prosper™ - True investors have three things in common. They all want to: • Conserve their capital • Grow their principal at an above-average rate of return; and • Minimize their taxes Many financially successful people subscribe to one investment philosophy. It's ownership of high-quality assets that are held for the very long run.
Wide Range of Non-Proprietary Investment Products – You have access to a full range of investment products including all securities traded on major stock exchanges, bonds, mutual funds, limited partnerships, REIT's and much more. From soup to nuts, you are working with a full service investment dealer.
Custom Investment Plans – Our team will prepare for you an individually tailored Investment Policy Statement (IPS) whose purpose is to establish a clear understanding between our team and you on the criteria to be used in effectively implementing and supervising a strategy for managing your investment assets. This IPS will provide support for you and our team to develop a well-conceived, long-term investment plan and a basis for making disciplined investment decisions over time.
RSP/RESP/RIF – Registered plans are available to shelter your hard earned money from taxes and help you achieve your goals.
Research and monitoring of investments - Research and monitoring of investments - The philosophy of our team is to acquire excellent businesses that are trading at attractive prices. In addition to our own criteria and resources, we will use the research resources of our firm, research partners along with additional third party information/screening software.
Short Term Savings Vehicles – Protect and grow your short term assets with high yield savings options.
*Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.
Overall Financial Picture – You will receive a written comprehensive financial plan that will be the driver for our strategies to help you reach your future goals. The plan will encompass Tax planning, Retirement Planning, Cash flow management, Insurance and Estate Planning and will work in tandem with your Investment Policy Statement.
Debt Analysis and Solutions – An overall analysis of your current debt will be created and observations will be communicated to you as well as some recommendations.
Disability, Life and Critical Illness Insurance – An overall analysis will be done to ensure that your insurance needs are covered. We provide non-biased advice and access to Canada's leading insurance providers.
Small Business and Corporate Planning – Whether you are a sole proprietor or an incorporated entity, we will work with you to ensure that your business is maximizing the options available to it.
Planning for a debt-free retirement – By working together we will ensure that a debtfree retirement is an achievable reality.
Retirement Plan – Included in your financial plan will be a comprehensive retirement plan.
Income Streams – We will work together to ensure that you are receiving the maximum income required to fund your retirement in the most tax efficient manner.
Clawbacks – No one wants to have their Old Age Security income reduced when this can be prevented. We will implement strategies to ensure that you receive the income you have earned and deserve.
Reducing the "Tax Bill" – Only 2 things are certain in life, Death and Taxes. This does not mean we cannot reduce the income taxes we pay by using important tax reduction strategies.
Lifestyle Planning – The famous line "What are you doing after work" is what we will discuss as we approach the retirement years.
Certified Senior Advice – Keeping up with the changing and growing needs of seniors allows our team to be a great resource that we can put to work for you.
Premium Wills and Powers of Attorney – No plan is complete without insuring your assets are distributed in the manner you wish it to be. You have access to the best legal minds in the community to be able to prepare the documents required to give you peace of mind.
Tax Planning – Tax efficient distribution of your assets is an important part of your planning needs. This is a component of your financial plan. Life versus Mortgage Insurance – An analysis of your needs is an important consideration when choosing the right insurance of your family.
Charitable Gifting – Is giving money to charities of importance to you? We can prepare proper plans for gifting of cash, securities or insurance to ensure tax efficient distribution of your gift to those who need it.
Trust Planning – Deciding on how to leave a legacy to your heirs can be a difficult decision. We can work with you, a legal professional and tax specialist to ensure that a trust plan is in place to accommodate your important wishes.
Constant Communication – Our team prides itself on exceeding service expectations. You will hear from us as much or as little as you wish via e-mail, phone or face to face meetings. Join us for the many events and seminars that we hold throughout the year. We are always here to help!!
Professional Network – The team is not only who you see in the office but includes lawyers, accountants, investment professionals, estate and insurance specialists within the community and throughout the country. No women or man is an island. Let our team help you reach your goals.
Advocacy, Mediation and Coaching – We are here for you to answer any questions either financial or non-financial. Never hesitate to ask us anything and we will get you the answer or refer you to someone who knows the answer.
Introductions – Our business is a service and as a service to our existing clients, if you are speaking to someone who has a question or needs a second opinion on an issue, give me a call and tell me about them and their issue. Or have them call me directly and we will be happy to answer their question, with no obligation. This is a free service that comes with the client experience. We want to work with people just like you and we are always here to help.
Travel & other Insurance
Travel Insurance - Travelling? Choose the plan that's right for you
Flexcare and FollowMe Healthcare - Need healthcare? Choose the plan that's right for you.
Access PDF document outlining Living benefits at a Glance: Manulife PDF