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Professionals From busy physicians, medical professionals, lawyers, engineers, professors and accountants, we create customized financial road maps based on your profession for financial peace of mind. | 
Business owners All three of our partners have been intimately involved owner operators in private businesses. Rick and Josh began their careers in entrepreneurial families and appreciate the challenges in operating businesses and selling a business. We focus on providing good advice on investment and ensuring effective allocation of retirement savings and ensuring critical earning years are protected. We also assist with Private Banking for cash needed, Custom Capital Markets Solutions, Personal Tax Optimization and Advisory. | 
Institutions Ray is a leader in terms of experience in money management for institutional or quasi institutional portfolios in St. John's. He is or has been on committee's and boards either overseeing other managers or been involved in managing the money himself on behalf of pension plans, superannuation funds, endowment funds. These boards and committees are/were responsible for managing over $3 billion in St. John's. Josh has met with thousands of institutional investment professionals and advising the largest money managers in the world, including multinational corporations, pension funds, hedge funds, central banks, and heads of government in the United States and Canada. |
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Non-Profits We are all active volunteers in the community and often serve on finance committees for community and nonprofit organizations. Protection of capital and safe or guaranteed investments (GIC's) are important for endowments, trusts or philanthropic gifts. We know the impact of Social Enterprise, Non Profit, Foundations and Endowments have in the community and are honored to help our community partners. | 
Foundations We are all active volunteers in the community and often serve on finance committees for community and nonprofit organizations. Protection of capital and safe or guaranteed investments (GIC's) are important for endowments, trusts or philanthropic gifts. We know the impact of Social Enterprise, Non Profit, Foundations and Endowments have in the community and are honored to help our community partners. | 
Families Your advisory team can assist you with some of life's most significant decisions including succession, inheritance, strategic philanthropy and your lasting legacy. We also focus to help families who have children with disabilities and education Planning. - Multi-generational Family Wealth Consultancy
- Financial Fluency for Younger Generations
- Strategic Philanthropy, Foundations and Legacy Advisory
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