Stage 1

Keep The End In Mind

We start by understanding your investment goals and what you want to do with your money. Amongst others, some of our clients' investment goals include:

• A comfortable retirement.

• Support for a child or grandchild's education or first home.

• Support for parents as they age.

• Provide a legacy to family members.

• Provide a legacy to charities or causes that matter to you.

Stage 2

Determine Your Investment Comfort Level

We work with you to determine the level of risk you are willing to accept in order to achieve your goals. Amongst the risks we will discuss with you:

• Risk to your purchasing power caused by inflation. In absolute terms, a dollar in 1990 went a lot further than a dollar today.

• Risk of permanent loss in the market.

• Risk associated with stock market volatility.

• Risk of making decisions based on emotions alone.

Stage 3

Build A Portfolio

We build investment portfolios with three things in mind:

What are your goals?

What is your risk tolerance?

What quality of securities can be held in your portfolio?

Clients of the Grace Lutfy Investment Group will find their portfolios comprised of high-quality bonds, preferred shares, some individual stocks and carefully chosen managed investments. The exact asset mix will depend upon your needs, risk comfort and unique circumstances.

We have a focus on providing clients with cash flow to their accounts. Cash flow is a stable way for us to grow your portfolio.

Stage 4

Stay In Regular Contact

Our team is in regular contact with you either through face-to-face meetings, by phone or by e-mail to make sure you are comfortable and knowledgeable with your investment portfolio.

We want to ensure we are on track. On track means that the goals are still relevant, the risk comfort is still appropriate and the portfolio is providing stable cash flow.

Our clients' lives evolve and therefore, so do our portfolios. In our experience, important life changes such as marriage, children, illness, divorce, job change and retirement are as important as the ups and downs of investment markets.

Clients We Work With

Our clients come from all walks of life. Many are at the middle stage of their lives and are seeking advice about how much they need to save to be able to retire in comfort:

• Family business owners who want support and guidance with their personal and corporate investments.

• Seniors who are seeking a team who can provide investment solutions that generate consistent cash flow.

• Individuals who are looking for guidance with their financial and estate planning needs.

 

Our clients share some common experiences:

• They do what matters to them.

• They may or may not actively monitor the investment markets on a day-to-day basis.

• They may find the financial world complex and require support.