For over 22 years, Avin and his dedicated team have provided exceptional financial services to clients built up on referrals provided by clients. The team works closely with their clients to understand their personal financial situation and designing customized financial planning and investment portfolios to suit their needs. What is unique to our practice is the extensive use of option strategies (e.g., Covered Call Writing, Collars, Secured Puts, etc) to generate great returns while minimizing risk. For covered call writing, the team engage in buy-write transactions where they purchase the stock and immediately sell the call option to reduce our downside risk. Essentially, clients never pay the market price to purchase any stocks. For selling cash covered puts, the team first lock in gains on underlying held, and sell out of money puts to purchase the underlying at a lower price. The team uses options as defensive tools, keep positions covered either with the underlying or cash. Our wealth management practice involves one of the largest option trading volume for the retail investors in Canada. Avin's team is actively involved in trading large volumes of top blue chip stocks, options and ETFs on a daily basis to provide returns which in most cases have been better than the market returns. As part of Avin's team, clients are assured the following:
A Comprehensive Understanding of Your Personal Financial Situation
In our first meeting, our counseling approach involves following three easy steps. We Get to Know You, understand your needs, objectives and appetite for risk. We Bring to Bear our knowledge and access to the most diversified range of financial products and services in the Canadian market. The final step is to Match the best products and services to your needs at a reasonable cost.
Our Personal commitment to You
We actively monitor your portfolio and will provide you with updates on market and economic developments. You have access to our team at all times and we do provide our home/mobile phone contact. We quickly respond to requests or concerns, if any. We also have periodic meetings with you to discuss your financial progress and/or changes to your personal/financial situation.
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We place your interests first. Our top priority is to understand what matters most to you, to know your dreams and fears, and to provide you with the peace of mind that comes from knowing that your financial future is in good hands.
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We continually improve and evolve to provide you with advice and service that generates real value and is the best match for you and your family.
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We practice disciplined due diligence to and constantly strive to anticipate and satisfy your ever-changing needs.
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We believe in teamwork and the benefits of a full-team approach. We collaborate with financial experts in specialized areas to share ideas and insights.
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We coordinate with your team of advisors to ensure the smooth, dove-tailed, management of all your financial affairs.
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We apply integrity and honesty in all of our practices, every day.
Provide You With Full Disclosure
We inform you of the benefits and implications of any investments or strategies we recommend, including fees, conflicts of interest, taxation or liquidity consequences, etc. Our practice has always been fee-based, where clients are well informed about the fixed percentage fee for our services before working with us. Under the fee-based structure, we are allowed to execute unlimited trades in each client account and clients have access to our latest investment research and investment knowledge.
What sets us Apart
Our highly successful practice is built upon educating people through our regular seminars on a diverse range of financial topics, including:
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Covered call writing: A defensive strategy that focuses on opening up additional revenue streams from blue chip stocks, in addition to the standard dividends and capital gains. This strategy provides partial downside protection to current portfolio holdings, and can be efficiently used for tax balancing. We will also discuss other hedging strategies (e.g., selling cash covered puts and collars), customized to these challenging markets.
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Canadian stock market: Explores the composition of the Canadian stock markets, how to structure investment portfolios and navigate these markets successfully, even in difficult economic environments. This is especially pertinent in the current low interest rate environment, with GICs yields barely covering inflation.
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Financial planning 101: "If you do not know where you are going, any road will take you there." This seminar addresses the critical need for Financial Planning utilizing the tools available to design a roadmap to your financial future. This facilitates the meeting of personal financial goals, such as saving for children's education, buying a house, and/or having a comfortable retirement.
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Wills and Estate Planning: Strives to ensure that upon death your assets go to the designated beneficiaries and they are not saddled with huge tax bills. It is crucial to have a will and estate plan in place. This seminar addresses the basic What, When, Why and How of wills and estate plans. Have all your questions answered related to wills, powers of attorneys, and trusts.
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Tax Strategies workshop: Assists in effective tax planning. Learn how to manage your taxes by using different methods such as tax deferral, tax shelters, income splitting, and many other tools available to you. We will also discuss year-end tax balancing strategy that our team uses for our clients by extensive use of stock swaps and option rollovers to minimize the taxes in the current year, as well to recover taxes paid on capital gains in the previous three calendar years. We will also provide you with a 100-point checklist on tax management.
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Tax Minimization Strategies for Private Corporations: Federal and Provincial tax rules can be hard to understand if you own a private corporation. Learn how to examine the financial situation of your corporation and identify potential areas for saving on taxes. There is certain flexibility in how you can pay yourself and where you keep your capital for investment purposes. We will help you understand which investments are the most tax-efficient and which tools you can use to minimize your tax liability.
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Saving for Retirement: Explores solutions for risk management and liquidity. Our team of specialists provide details on existing insurance products (e.g., life, disability, critical illness, group Insurance etc) that can be customized to the individual's specific needs. The team can review your existing policies to ascertain if you are adequately covered.
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Insurance: Explores solutions for risk management and liquidity. Our team of specialists provide details on existing insurance products (e.g., life, disability, critical illness, group Insurance etc) that can be customized to the individual's specific needs. The team can review your existing policies to ascertain if you are adequately covered.
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Financial tips for new immigrants to the BEST country in the World: Where to start? Whether you are new to Canada or thinking about immigration, you probably have a lot of questions. There are many opportunities for newcomers. However, settling down can be challenging if we do not have good resources and mentors. Financial matters are probably the most important ones that keep us awake at night. Having a right Investment Advisor by your side can help you minimize your stress and maximize your asset value.
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How to build up Stellar Credit Score, a Lifeline for Financial Prosperity: Thinking of buying a house or a new car? Your financial prosperity in Canada depends largely on your credit score. New immigrants with no credit score history and new graduates with high level of debt are some of the groups that are highly impacted by a credit score. Learn how to build a good credit history that could potentially increase your ability to borrow in the future at lower rates.
We can design seminars on any financial topic of Interest and have it approved by our compliance in a very short period. We also periodically send articles of interest on varying topics in wealth management from leading publications to interested clients. We meet with clients in person from time-to time to discuss markets and the investment portfolio. The value of meeting in person at our office and/or at the comfort of your own home helps to maintain a strong partnership based on mutual understanding. Close communication also allows us to stay informed about changing circumstances (e.g., RESP withdrawals for children's education, job loss, family additions, etc) and we can devise an investment strategy that would adapt to such changes.
In following these guiding principles, we aim to build a long-lasting partnership with you and provide you with integrated and comprehensive advice that will guide your long-term financial decisions and maximize your probability of financial success.