Our Investment Philosophy

My relationship with my clients starts with the development of a comprehensive financial plan to achieve their long-term financial goals. As part of this plan, we cover the investment, insurance, tax and estate planning aspects of each client's situation.

I strive to serve as my client's chief financial advisor. As part of this role, I coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, I also tap into my own network of professional advisors.

My investment philosophy is essentially conservative in nature. Within each clients risk profile, an investment portfolio is structured that will achieve long-term growth without undue risk – as a result, both my clients and I will sleep soundly at night.

Tax planning and minimization is a key component of the financial plan for most clients. Strategies such as income splitting, prudent use of leverage and family trust are evaluated.

At least once every three months, all clients receive a summary of account. The information is presented as clearly as possible; in addition, the format of the report is reviewed with all clients at the outset of each relationship, to minimize confusion or misunderstanding.

Each client's account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, each plan is reviewed together annually and appropriate adjustments are made.

I make myself as accessible to clients as possible. All telephone calls are returned the same business day, either personally or by my assistant.

I believe my best client is the one who is fully informed. As a result, I have a strong commitment to client communication through regular newsletters, seminars and guest speakers. In addition, I maintain a library of some of the very best books on personal finance, available for loan to all my clients.

In order to provide the highest quality Client Service and to attract and retain the best people, my practice must be consistently profitable, and achieve and return on equity commensurate with the risk of our business.