We employ a combination of active and passive investment management aimed at maximizing returns without undue risk of loss of capital. As well, we employ tactical shifts in response to longer term trends while being constantly aware of potentially negative tax implications with every decision. Although risk has many technical definitions, we see the biggest risk facing our clients’ is the possibility they will not reach their desired outcomes.
Our commitment to a strict investment discipline is the most effective counter-balance to investor behaviour tendencies which can derail long term plans. By using a strategic approach with rebalancing, when appropriate, we remain focused on their long term success, which helps keep our clients focused on the destination rather than the journey.
Commitment
Focused, Goal driven, Respectful
Impact
Precision, Experience, Efficiency
Perspective
Ideas, Education, Information
Success is a decision.
We need you to be as committed to your success as we are.
We respond to decisions with a sense of urgency.
We respect that we are stewards of your wealth. We know that money is a precious commodity, hard to come by and hard to replace.
Quality depends on access to resources.
Our education, licensing and experience allow us to provide you with the best possible ideas in support of your success.
Planning encourages positive behavior.
We observe that success is linked to awareness of what needs to be done. Awareness drives action.
We influence outcomes with precision and discipline.
Spending the necessary time carefully weighing all parts of the big picture of your success before making recommendations.
We respect personal challenges and accomplishments.
You are unique. We respect your achievements, past, present and future.
We consistently adhere to the highest level of industry standards.
As the industry evolves, we embrace and master the best practices vs. minimum requirements.
We leverage the efficiency of systems.
We embrace technology and are constantly learning and growing.
We work to thoroughly comprehend your intentions.
Understanding your unique situation allows us to do our best for you.
We communicate clearly and completely.
Being on the same pages is crucial to success.
Only relevant information is valuable.
Actions for one are not a good fit for all. New Stories or world events rarely have any impact on your long-term plans.
Expertise is both finite and intentional.
We get help from external experts where needed and have a deep bench of talent to lean on.
People
Our Clients Come First.
People Come First:
Everything we do is based on this Value
Foundations
Stable, Preservative, Accessible
We seek to strengthen foundations:
That support Client happiness
Commitments
Communication, Understanding, Consistency
Our covenant with clients:
Based on strong Relationship
Hollistic
Our approach is rounded and all-inclusive.
Financial success must incorporate a wide focus
Plan & Process
Your financial experience starts with a Plan
Discovering what you need and creating a Game Plan
Investments
The plan dictates the right portfolio.
An appropriate Portfolio that is based on your Plan.
Costs
We focus on lowering costs to improve results.
Cost minimization contributes to your overal return.
Tax Alpha
Taxes can be a major drag on results
Your returns can be improved by reducing taxcs
Growth
Growing your wealth determines future income
An appropriate Portfolio that is based on your Plan.
Risk
Risk must be aligned with your
personal needs.
Risk is needed for a better than bank return
Income
How income is taken, requires a strategy
Withdrawal Sourcing can maximize your income