What if your portfolio had access to more possibilities?
Many Canadians have spent years building their wealth without ever asking an important question:
How were the investments in my portfolio selected, and what other options were available?
I combine comprehensive financial planning with disciplined investment research and access to a broad universe of investment solutions.
Because your portfolio should not be built around what one institution has available.
Have you ever asked how your investments were chosen?
Many investors assume their advisor can recommend from every investment available in Canada.
That is not always the case.
An advisor’s investment choices may be influenced by the institution they work for, the products available through their platform and the scope of their registration.
After more than 16 years working inside two major Canadian financial institutions, including 11 years with the largest bank in Canada, I came to believe that clients deserved a broader conversation about their investment choices.
I chose to build my practice differently.
Today, I can research investment solutions from a broad range of respected Canadian mutual funds and evaluate them based on their quality, risk, performance history, costs and role within a client’s overall financial strategy.
Every investment must earn its place.
Your investments are only one part of your financial life.
A thoughtfully constructed portfolio starts with understanding what your money needs to accomplish.
Before making investment recommendations, I take time to understand your goals, income needs, family responsibilities, tax considerations, retirement plans and the life you want your wealth to support.
My approach brings together two essential disciplines:
Comprehensive Financial Planning
Your financial plan helps answer the larger questions:
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When can I comfortably retire?
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How much income will my investments need to provide?
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Am I saving and investing in the right accounts?
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How can I manage taxes more effectively?
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How should I prepare for major expenses, family needs and estate goals?
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Am I making the best use of my accumulated wealth?
Disciplined Investment Management
Your portfolio is then constructed to support that plan through:
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Broad investment choice
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Independent investment research
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Thoughtful asset allocation
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Diversification across managers, markets and investment styles
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Attention to risk, fees and tax efficiency
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Ongoing monitoring and appropriate adjustments
The financial plan establishes the destination. The investment strategy helps you get there.
