Experience an integrated approach
to growing your wealth
WHAT WE DO
Rather than focusing on individual areas of wealth management, our team provides an integrated approach to the long-term growth of your investments. All the elements of your financial universe… working in concert.
Our Portfolio Managers, Financial Planners, Tax and Insurance Specialists work together to help achieve the specific goals of our clients.
This fully integrated approach can positively impact savings behavior, wealth accumulation and retirement readiness.
our process
2.3X
MORE FINANCIAL ASSETS
SOURCE: More on the Value of Financial Advisors, Claude Montmarquette, Alexandre Prud’Homme, CIRANO 2020.
step 5
IMPLEMENT
We put the plan into action, setting up the appropriate investment accounts, investing assets in the agreed upon portfolios, setting up contribution and withdrawal requirements and making sure your insurance policies are in place as needed.
step 6
MONITOR
We monitor your investments, fine tuning your holdings as market conditions change. We communicate regularly to ensure your plan remains up to date as you reach certain milestones and as life circumstances change, leading back to DISCOVERY.
STEP 1
DISCOVER
We meet with you to identify and understand your unique goals and objectives.
step 2
GATHER DATA
We gather the relevant financial documents and information needed to create a complete picture of your financial universe.
step 3
ANALYZE & PLAN
We review your total financial picture, assess your needs and bring in specialists as required to build an actionable plan.
step 4
REVIEW & DISCUSS
We meet with you to discuss the plan and review the proposed investment strategy to make sure it’s right for you and your family.
STEP 1
We meet with you to identify and understand your unique goals and objectives.
STEP 2
We gather the relevant financial documents and information needed to create a complete picture of your financial universe.
STEP 3
We review your total financial picture, assess your needs and bring in specialists as required to build an actionable plan.
STEP 4
We meet with you to discuss the plan and review the proposed investment strategy to make sure it’s right for you and your family.
STEP 5
We put the plan into action, setting up the appropriate investment accounts, investing assets in the agreed upon portfolios, setting up contribution and withdrawl requirements and making sure your insurance policies are in place as needed.
STEP 6
We monitor your investments, tuning your holdings as conditions change. We communicate regularly to ensure yoru plan remains up to date as you reach certain milestones and as life circumstances change, leading back to DISCOVERY.
why ADVISORS join us
Build a stronger client service offering
More choice for clients
Spend more time with clients
Access to industry specialists in one place
Access to a succession plan
Do you have a question about our services or investment solutions? Let’s talk!
Set up a call with our Director of Business Development.
INSIGHTS
PORTFOLIO MANAGERS’ BRIEF – November 2024
Recession Update
There is much debate about whether the U.S. economy is in a recession. According to the U.S. Bureau of Economic Analysis (BEA) advanced estimate, the U.S. economy has contracted for two consecutive quarters (see chart). GDP declined by -1.6% in the first quarter followed by a -0.9% decline in the second quarter ending June 30th.
Research Report: Winning The Inflation Battle?
are causing the imbalances.
What impact are global transportation bottlenecks having on prices along the supply chain? How much of the demand surge is a desperate attempt by consumers to feel normal again? What impact is the Ukraine war having on food and energy prices? Did government sponsored pandemic relief programs provide too much stimulus? Each of these factors has an impact. The chart to the right is our best guess as to the relevancy of each of these components.
Resarch Report: Putin Ouster – Markets & Bonds
As the Russian invasion of Ukraine grinds on with no apparent solution through international diplomacy, some commentators are wondering if an end to the conflict could come if Vladimir Putin is removed from power.
Even U.S. President Joe Biden in a speech delivered in Poland said Putin “cannot remain in power.” Despite White House attempts to downplay the rhetoric, President Biden was steadfast that he was “not walking anything back!”
Managing Emotions During a Market Decline – The Importance of Having a Plan
Many investors are starting to feel uncomfortable watching their investment portfolios decrease in value as markets continue to decline from the November 2021 highs. A review of past market corrections can provide us with some general guidelines to help manage expectations. How much more selling is yet to come, however, and how long it will take for the markets to turn around is still largely unpredictable.
Reasearch Report: Assessing the Impact of Corrections
The performance of stocks through April month-end was not only painful, but it was also significant. The first four months of 2022 marked the worst January to April swoon for US stocks in history. The S&P 500 Index ended April down 13.31% from its’ December 27th, 2021, peak. The tech heavy Nasdaq composite index is off 23.18% since its November 15th, 2021, peak, officially putting growth stocks in bear market territory.
Research Report: Radical Uncertainty
The Ukraine war, fallout from sanctions, hawkish sentiment among global central banks and gyrations in commodity markets add layers of uncertainty to what was already an uncertain environment for financial markets.
In this setting, forecasts are, at best, conditional and rest on a foundation of radical uncertainty (see article “Stuff Happens”). While we can quantify risk (i.e., options price implied volatility) and then assign probabilities (i.e., trading ranges) using statistical analysis, uncertainty, defined as ‘unknowable unknowns’, cannot be measured. That fact severely limits our confidence in evaluating potential outcomes and appropriate investment strategies.