Financial Planning, Insurance & Wills

Services
We offer a personalized one-stop service for both Canadian residents and non-residents, that goes beyond investment or tax advice. We also assist other nationals who are moving to Canada. Our firm provides coordination of various advisors, including in-house staff and outside specialists. Before changing residency, RRSP consolidation needs to be considered. If you are a resident of the USA most financial institutions do not allow switches from term to fund, or between fund equity classes.

We offer a disciplined approach to assist in attaining your retirement goals, including wealth enhancement. We focus on long term performances and capital preservation.

Our client objectives are:

Tax Minimization
Risk Management
Reasonable Performances
Developing a strategic plan
Financial Security for you and your family

Our plan is to:

Assist in building a plan
Customize your strategies.
Follow the total Financial Planning Process as outlined by the Canadian Association of Financial Planning (CAFP) i.e.: Risk Assessment Form.
Clarify your present situation through your current asset review.
Identify financial goals and objectives starting at 1yr through to retirement.
Identify financial problems and opportunities at a reduced risk.
Provide recommendations and alternative solutions.
Coordinate the implementation of recommendations.
Provide periodic review and updates.

Risk Analysis
If you plan to invest with us, or wish to update your risk tolerance, please contact us for a review, at no charge. No-one can predict markets or currencies, but we definitely can reduce your risk through re-balanced diversified portfolios with re-balancing and reduce tax on Canadian or International investments.

1. the long-term bias of the Equity markets is upward
2. over the long-term Equities outperform every other asset class (exponentially),
3. the declines of the market are temporary but the advances are permanent,
4. we never know where the top or the bottom of the market are until we've past them.

All four points are absolutely indisputable based on historical facts.

In the short-term, Equity markets are driven by three things: interest rates (bond yields compete with dividend yields), short-term corporate earnings (recent history and near-term estimates), and investors' psychology (which is subject to fear and greed). While in the short-term, Equity markets follow the rise and fall of corporate earnings, in the long-term Equity markets are based on long-term corporate profits.

Volatility is not equal to risk, though they are connected. Volatility is temporary downward fluctuation. When investing in a portfolio of quality companies, the risk of losing some or all of your capital is a function of your behavior. Only you can turn a temporary decline into a permanent loss, when you sell when it is down. In other words, don't sweat a temporary downturn.

Wills
We can advise you on upgrades to your will and refer you to qualified lawyers.

A new will should be prepared if you do not have one, or if it is several years old.
You should also consider adding an Enduring Power of Attorney and personal care directive clauses for medical and financial management. All previous clauses and references prior to December 1, 1997 are void unless updated following the new Alberta act. Alberta wills will satisfy moveable property.
If you are leaving Canada, you will require internationalization to agree with various Commonwealth and country jurisdictions, including possibly adding an international codicil to your current will. If a home is purchased overseas, a second will is required in that jurisdiction.
We also recommend that your offshore bank and investment accounts be held in joint name, so that in the event of death of other party, avoids expensive probate costs and reduces time to access much-needed funds.
*We provide this advice only on full disclosure as part of one-stop service offered to new or pre-existing clients.