-1-

Determine Your 

Objectives

We will have you complete a questionnaire to understand your background, risk tolerance, goals and vision. We provide clarity, focus, put your thoughts into words and prioritize your objectives.

-2-

 Evaluate Your 

Financial Position

We will gather all important information like investment statements, insurance policies and group benefits and bring everything together to create a unified plan.

-3-

Analyze Your 

Risks

We identify gaps in your financial situation, review objectives vs. reality and provide a picture of any shortfalls or confirm you are on track.

-4- 

Present the Report & Recommendations

We will speak to you about what you want and need, identify any outstanding issues and provide you with a better understanding of your current situation and any corrections that may be required.

-5-

Implement Your 

Plan

We get things done and provide you with an understanding of current and next steps. 

-6-

Conduct Periodic Reviews & Update Plan

As the world and your life changes, we confirm that you are on track for your plan and provide you with confidence about your financial plan throughout your lifetime.

-1-

The Formula

Identifying concerns

-2-

Strategies

Solving problems

-3-

Products

Implementing strategies

• The biggest threat to financial security is not losing one’s money, but outliving it. Life has changed and the financial risks associated with retirement (both in good or poor health) have changed as well.
  
  
• The best way to protect your lifestyle is to own investments that will increase in value, thereby increasing your future purchasing power.
  
  
• The biggest danger in owning equities (individual stocks or stock based managed money), is not owning them. There have always been reasons at any particular time not to own equities, however over the long-term, equities have always proven to be the winning solution.
  
  
• Creating and maintaining wealth depends upon an individual recipe. This recipe is based on your investment time frame, risk tolerance, and financial goals. This is how we base our recommendation for the correct asset mix annually to ensure that it is still the correct “recipe” for you.
  
  
• We need a wealth creation role model. We all have role models for various aspects of our lives (parenting abilities, spiritual leadership, community involvement, etc.), but who of us has a wealth creation role model? If we were to source out individuals who are truly successful in the creation and maintenance of wealth, would it not be useful to emulate their behavior? These are the type of qualities that we should look for in the individuals who both manage our pooled investments and those who run the underlying companies in which we are investing.
  
  
•  Market depressions are really just purchase opportunities. These are the times when misguided investors and advisors sell when they should really buy.

• The truth about investing in the equity markets is that the downs have shown over time to be temporary, while the ups usually prove to be permanent over the long-term. Losses come from investors who panic and turn a temporary decline into a permanent loss. Since the long-term investor who has bought a portfolio of great businesses understands that markets fluctuate but have historically shown to not create losses, over the long-term the variability seems insignificant. Having discipline and faith in the system makes me and my clients avoid panic and act like any owner of great businesses - hold as long as the business is still great, regardless of what the price of the share might be.
  
  
• Managed portfolios (mutual funds, segregated funds, wrap accounts) comprised of great businesses provide diversification and ongoing professional monitoring. The key is to find the managers whose philosophy is most reasonable and with whom an investor can be comfortable through bad and good times. This means being critical with the management style of the horde of 2800 mutual and segregated funds in Canada. My job is to identify those managers.
  
  
• Using the dollar cost averaging method will make every investor look like a genius over the long-term. While the long-term view of owning great businesses is inevitably positive, the short-term outlook is always uncertain. Therefore, the risks of market fluctuations testing the patience and fortitude of the investor can be offset by consistently averaging in a fixed amount, regardless of where the “market” is.
  
  
• Variability is the best friend of the long-term investor. We should welcome volatility, not fear it. Owning more great businesses when they go on sale, can only improve your long-term wealth creation. Wait anxiously for “corrections” and be prepared for new purchase opportunities.