My approach enables me to provide affluent clients with an investment experience that is highly structured and easily understood to ultimately help clients achieve their retirement goals. My philosophy is conservative in nature.
UNDERSTANDING EACH CLIENT’S GOALS AND RISK PROFILE
To find the right investment solutions, you need to work with someone who genuinely understands your financial goals, as well as your life’s goals. As your Investment Advisor, I can provide the expertise you are looking for, while helping you make the most of your financial resources.
My approach has at its core two fundamental written documents; an Investment Policy Statement (IPS) and a Comprehensive Written Investment Plan (CWIP).
An IPS – is a tool that outlines a set of guidelines that are helpful in making investment decisions. The main advantage of a written IPS is that it helps you stay focused and avoid transactions dictated by emotion during short-term market fluctuations. The IPS will include:
- Your objectives and investment expectations
- Your risk tolerance
- Your investment time horizon
- Liquidity and income requirements
- Minimizing tax concerns
The CWIP serves the primary purpose of determining how long your money will last in retirement. The key benefit of completing a CWIP is the ability to validate your retirement plans. If the projections reveal shortfalls, the necessary steps can be taken today to help ensure financial needs are met in retirement.
In addition as part of my approach, you can expect the following:
- Creating a suitable investment portfolio that addresses the requirements of both the Investment Policy Statement and the Comprehensive Written Investment Plan. The portfolio can include fixed income products, mutual funds, individually managed accounts and stocks.
- Tax minimization through financial solutions such as corporate class mutual funds, annual capital gains/losses tax harvesting and tax deductible flow-through shares I am able to work with clients to reduce and defer annual taxation . In addition Insurance solutions can be utilized to reduce Estate Taxation. .
- Periodic client meetings, regular phone, e-mail communications and information sessions are established to help you understand how markets are affecting both your investment portfolio and ultimately your long-term financial plan. During client meetings, I will discuss portfolio risk and review your portfolio's performance relative to projections in your financial plan. It also provides an opportunity for you to discuss any recent or upcoming life changes that may affect your retirement planning.
- Reviewing your estate planning and insurance issues.
