richard.skeels@cibc.com | LinkedIn | (416) 594-8674
We believe with the right process, strategies and guidance, you're capable of making your ambitions a reality!
What we provide for you:
- Simplified Investment Strategies
- Tax Alpha: Uncovering ways to reduce your taxes
- Retirement Income Strategies
- Financial and retirement planning
- Customized pathway to retirement
- Estate-planning
- Long-term care planning
- Business succession planning
Here's how we do it:
The First Meeting:
Remember the curiosity part? This is where my curiosity comes into play. You help me understand you.
Together, we want to uncover your vision and goals for a better tomorrow.
This is done through a discussion about what money means to you, how you use it, and what you use it for.
The goal is to uncover your vision for where you want to be. After all, how can you build a plan if you don't know what you are aiming for?
I'm ready to take the first step
The Second Meeting:
In our second meeting, we review your goals and provide recommendations for your asset allocation and investment strategy.
I focus on recommendations that we can control:
- Lowering your tax bill
- Simplified investment strategies
- Providing financial leadership
- Creating a sustainable savings plans
- Optimizing retirement income strategies
We provide financial leadership on what we cannot control?
- The stock market going up, down or sideways
- Geopolitical news
- Stock market news
- Interest rates going up or down
How do we put this all together?
Simple, we take a no nonsense approach to investing. Here is how it looks:
- We do not chase trends, fads or memes
- We don't get investment advice from social media or your neighbour
- We utilize a diversified & simplified investment approach
- We pick investments that are transparent and simple for you to understand
- We don't time the markets
- We use your financial plan to help guide your investment strategy
Our goal is to help you make the right decisions on what you can control, and guide you through the things we can't control. Put together, it is the most effective approach to building sustainable wealth.
My finances could benefit from a second opinion
What Questions Will I Be Able Answer After My Second Meeting?
Whether we decide to work together are not, by the end of the second meeting you'll be able to answer the following questions:
- Can I afford to retire?
- Am I paying too much in fees?
- Am I minimizing my taxes effectively?
- Am I taking too much risk with my current investments?
Working Together
After the first two meetings, if we are in agreement to work together, we send out account documents to be signed by e-signature. The next step is to run your customized financial plan. This plan will allow us to answer the following:
- How much do I need to save for retirement?
- How much can I afford to spend a year in retirement?
- How much investment risk do I need to take and what returns do I need?
- Will I run out of money in retirement?
- Will inflation erode my lifestyle?
The plan allows us to fine tune your investment strategy to be more aligned with your long-term retirement and financial goals
We REVIEW Annually
Life can throw curveballs. We review your situation at a minimum, once every year to re-evaluate where you are now and where you want to be.
If anything changes, we will update the financial plan and if needed, your investment strategy, to ensure you are on track.
So, let me ask you. Where are you now and where do you want to be?
The time for action is now!
Time does not stop ticking. Actually, it seems to go by faster and faster as the years go on.
This is why the time for action is now, because your dreams and goals should never be a thought in time.
Your dreams should be a reality of your future
Your dreams should be put in into action with a concrete plan and the right people helping you get there.
That is my commitment to you, to be by your side for decades to come. Guiding you through the changes of time so you can get to where you want to be!
This sounds great! So what do I do next?
This starts with a retirement clarity call. The call is 10 minutes in length and my goals is for you to come out with a clearer picture of where you are now and where you want to be.
I am ready for a retirement clarity call
Not sure I am ready to chat, but I wouldn't mind getting to know more about you
