Launching The Applegath Group thirty years ago was not simply to create a business for taking care of money or people. Taking care is how Tom and I live. Our clients know we are there for them in every way. And they know that we are exactly who we say we are— as individuals, as a couple, and as a team.
We know how to help you sort through the complex and emotional issues of life so you can live without the worries or concerns of managing your present and your future.
As knowledgeable, forward-thinking life solution designers, our holistic designs and plans provide you with solutions. The LIFE DESIGN is the bespoke master plan designed for you.
A simple way to understand each element in a holistic Life Design is our LIFE WHEEL. When all twelve elements are addressed and work together harmoniously, a life can be well planned to be well lived.
Each icon on this Life Wheel represents a specific area of your life (which can be complex or overwhelming) but once we fully understand your needs, concerns and goals, we create a clear path forward.
This is your Life Design.
If you're curious about the twelve areas of life to address, or you want to explore how they might affect your own life and financial planning, CLICK THE ICONS BELOW.
My Family's Security
Making sure my family can maintain a comfortable lifestyle if I (or we) prematurely die or are disabled.
Peace of mind is knowing that everyone and everything will be taken care of. Before we create your Life Design, we do an in-depth assessment of what life would look like if you were suddenly disabled or gone. We look at the consequence of every scenario and put a safety net in place to ensure that you and your family will be disaster proof. We make sure that your goals, assets and liabilities will be managed with a solid financial design that puts your worries to bed.
My Lifestyle
Being able to enjoy life and meet all of my financial goals, knowing my cash flow is organized and prioritized.
As you move toward financial independence, we make sure you are also creating your ideal lifestyle. Our bespoke Life Design ensures money flows in the correct sequences to the right places. This give you confidence that there will be enough for everything you want to do now, while still saving toward future goals. Our goal is to ensure you live today and save for tomorrow.
My Independence Secured
Freedom to choose to work—or not to work—secure that my assets will support my lifestyle from this day forward.
We make sure that you are financially secure, that you have more than enough money. This gives you the freedom to do what you want to do, when you want to do it, with the means to make it happen. True independence is to have the money to choose and create your lifestyle for now and for the future.
My Wealth Secured
Confident that the ‘strategies and stewarding’ of my assets will provide a safe and abundant future.
You worked hard to accumulate your wealth and we will work hard to continue to build it. We consider ourselves your ‘stewards’, not simply taking care of your assets, but carefully creating your Life Design to manage every aspect of your wealth and assets in a prudent fashion. This ensures success, for you and your future generations.
My Family's Education
Ensuring that I can provide educational opportunities and advantages for next generations.
Education is critical for the future success of your family. Funds earmarked for educational needs are essential. It is vital to create an education budget for your children or grandchildren or your extended family. This gives them choices around post-secondary education and beyond.
My Financial Legacy
Assurance that my loved ones are well protected and well situated once I (or we) am gone.
Recognizing how fortunate you are, you desire to pass on some of that good fortune to your children, their children, or your extended family. It may be that one or more of your children will not be able to earn enough in their lifetime to support a household or save for retirement and you want to protect them. Our goal is to design a well-structured financial legacy to honour you and your family, that is worry free.
My Gift Now
Generously able to help out family members when they need it most.
If you have the means, this can be a ‘gift’ to younger members of your family to help fill a financial gap. It could be paying for a wedding, a down-payment or purchase of a new home, or a lump sum when a new baby arrives. We call this the ‘warm hand gift’, as it is one from the heart that is both meaningful and timely and uplifts the whole family.
My Family's Success
Investing in my family’s ventures in meaningful ways, as they make their own ‘dent’ in the universe.
Life sometimes presents ‘opportunities’ to support a family member in a venture with no potential of repayment. This might be a small business start-up or a career in the arts. Or it can be anything worthwhile that takes time and money to get that family member on their feet so they can make that ‘dent’ in the universe, like Steve Jobs often cited.
My Aspirational Money
Giving myself permission—once everything and everyone is secured—to pursue my personal dreams.
Once your current and future lifestyle has been taken care of, and your family’s and future generation’s needs are provided for, and there is still money left over, we can help you figure out what to do with it. We believe your surplus money is there for a purpose. We will coach you to help define that purpose. And it just may be to give yourself permission to follow your bliss and pursue your dreams.
My Passion Project
Focusing my energy and assets on projects that will inspire and motivate me and fulfill my life in a different way.
Once we have defined the parameters of your ‘aspirational money’ and helped you figure out what you want to do with this money, we will encourage you and coach you in every way possible to fulfil this dream and follow your passion. The goal of your ‘passion project’ is to spend surplus capital to enrich your life now.
My Giving Back
Creating and extending my personal legacy, and my family’s legacy of giving back, to complete the circle.
To give back is to “plants trees under whose shade you do not expect to sit.” This can be done now, or after you are gone. It can be a one-time gift or an on-going gift. You can carve your name on the front of a building or you can be anonymous. You can give through a foundation—yours or one belonging to someone else. But regardless of how you give, or to whom you give, we can help you create a tradition of ‘giving back’ that will be passed down for generations in honour of your generosity and life.
My Well-Being
Ensuring that I can take ‘good care’ of myself at every turn of life, knowing that thoughtful solutions are in place for any and every contingency.
All the money in the world is no good if you do not have your health. We care. Part of your Life Design is knowing you have the best possible options for any situation that might arise, to help you take ‘good care’ of your physical, mental and spiritual well-being.
