Our services

With a new client we begin with a comprehensive interview to ensure that we understand your financial situation, needs, objectives and risk tolerances. We also take some time to give you a sense of who we are and how we can be most effective.

We then prepare an investment policy statement that will act as a framework for how your investments will be structured. Based on the asset mix selected, we run a series of financial projections to give you a sense of where you are headed financially. We review any existing investments and make appropriate recommendations for your portfolio moving forward. We have access to one of the broadest array of investment possibilities of any financial services organization.

Depending on your situation we can also put together a comprehensive financial plan. Your plan will address the savings, expenditure and investment needed to fund your desired lifestyle, both now and in retirement. It will also deal with such issues as education funding, health and life insurance needs, and tax and estate planning measures.

In addition to everything that you see us doing, there is a lot going on behind the scenes. We engage in ongoing skills upgrading through continuing education courses. We conduct interviews with fund managers and business leaders to keep on top of the ever-changing investment and business environment. We continuously review economic, investment, tax and security-specific research and track innovations in the investment world in order to identify attractive investment vehicles as well as those that may be losing their lustre. This results in the ongoing review of the securities you hold and your portfolio as a whole. When changes are warranted or required to your portfolio, we let you know. We also periodically keep you apprised of items of interest on the fronts of investing, economics and taxation via one or more of our newsletters.

Financial, Investment, Tax and Estate Planning is an ongoing process requiring regular dialogue. We encourage you to keep us abreast of changes in your circumstances or objectives. We advocate an annual meeting to review objectives, needs and your investment portfolio, featuring our exclusive Big Picture Report.

You pay us to look out for your interests. We work for you. Like any good employee we are not “yes men”. We are here to tell you what you need to hear even if it is not always what you want to hear. Our job is to find, recommend and implement the best solutions for your financial needs and objectives.

Just as we are in the investment solution business, we are also in the service solution business. Whatever issues or concerns you may have, call us first. Whether it relates to our services or other financial related matters you have elsewhere, our objective is to find a satisfactory solution for you. In fact whatever your needs, even if the subject has nothing to do with finances, we may be able to refer you to a qualified and reputable service provider in a wide range of endeavours.

As a client, you are our first priority. We are always available to answer questions or discuss your portfolio or your needs. We strive to return all phone calls and e-mails in a timely manner.

To aid in fostering the comprehensive investment and planning approach we advocate, we offer complete portfolio administration services. Under one organizational umbrella we can hold all your securities. This will result in most investment income reported on a limited number of T5 and T3 slip for tax purposes for all your investment income (Canada Savings Bonds, Limited Partnerships and Mutual Funds do report separately). The need for you to store and retrieve certificates is eliminated. All of your transactions and holdings are summarized on your monthly statement. You can also view your account information online. Additionally, we provide annual summaries of investment income and capital gains and a projected income report. We put considerable effort into ensuring that the adjusted cost base of your holdings is accurate and as up to date as possible.

Investing and investment vocabulary can at times be intimidating. We want you to feel comfortable with the entire subject and process. Consequently we like to say that there are no stupid questions, only stupid answers. The latter being our problem, not yours. We encourage you to ask us questions no matter how simple or complex you may consider them to be. We will endeavour to answer and explain as clearly as possible and as briefly or in as much detail as you desire. If you need us to back up and go over something or explain it in a different way, we would be pleased to do so.