Services

Our Process

Retirement planning

  • Collect the details of potential sources of retirement income, estimated retirement expenses, determine retirement objectives, attitudes toward retirement, comfort with retirement planning assumptions
  • Develop financial projections based on current position
  • Determine if retirement objectives are attainable, consider potential retirement planning strategies
  • Assess financial requirements in retirement, assess trade-offs necessary to meet retirement objectives
  • Formulate retirement planning strategies, evaluate advantages and disadvantages of each retirement planning strategy
  • Utilize the optimal strategies to make retirement planning recommendations
  • Prioritize action steps to assist you in implementing retirement planning recommendations

Investment planning

  • Collect information to prepare a detailed statement of investment holdings

  • Determine your current asset allocation. Identify cash flows available for investment, investment experience, attitudes and biases, return expectations, tolerance for investment risk, desired degree of involvement in investment planning

  • Identify your time horizon, calculate required rate of return to reach your objectives

  • Determine the characteristics, including related expenses of investment holdings, the implications of acquiring/ disposing of assets

  • Consider potential investment planning strategies

  • Assess whether investment return expectations are consistent with risk tolerance – whether asset holdings are consistent with risk tolerance and required rate of return

  • Formulate investment planning strategies

  • Evaluate advantages and disadvantages of each investment planning strategy

  • Utilize the optimal strategies to make investment planning recommendations

  • Prioritize action steps to assist you in implementing investment planning recommendations

Insurance and risk management

  • Collect details of your existing insurance coverage
  • Identify potential financial obligations
  • Determine your risk management objectives, tolerance for risk exposure, relevant lifestyle issues, personal and family health history, willingness to take steps to manage financial risk and characteristics of existing insurance coverage.
  • Consider potential risk management strategies
  • Assess financial impact of exposure to risk, your risk exposure against current insurance coverage and risk management strategies and the implications of changes to insurance coverage
  • Prioritize your risk management needs and formulate risk management strategies
  • Evaluate advantages and disadvantages of each risk management strategy
  • Utilize the optimal strategies to make risk management (insurance) recommendations
  • Prioritize action steps to assist you in implementing (qualifying and purchasing) risk management recommendations in the form of an adequate and appropriate insurance policy

Estate planning

  • Collect legal documents that impact estate planning strategies

  • Identify your estate planning objectives, family dynamics and business relationships that could impact estate planning strategies

  • Assess your attitudes and biases toward estate planning

  • Project net worth at death

  • Consider constraints to meeting the client’s estate planning objectives and potential estate planning strategies

  • Calculate potential expenses and taxes owing at death

  • Assess the specific needs of beneficiaries, liquidity of the estate at death

  • Formulate estate planning strategies

  • Evaluate advantages and disadvantages of each estate planning strategy

  • Utilize the optimal strategies to make estate planning recommendations

  • Prioritize action steps to assist you in implementing estate planning recommendations

Tax planning

  • Collect the information necessary to establish your taxable income, deductions and credits
  • Identify tax implications of assets and liabilities; current, deferred and future tax
  • liabilities; parties relevant to your tax situation
  • Determine your attitudes toward taxation, your tax knowledge; implications of relevant tax information
  • Consider potential tax strategies and structures and evaluate appropriateness of existing tax strategies and structures
  • Assesses impact of tax planning alternatives and formulate tax planning strategies, advantages and disadvantages of each tax planning strategy
  • Utilize the optimal strategies to make tax planning recommendations
  • Prioritize action steps to assist you in implementing tax planning recommendations

Socially responsible investing (SRI)

Socially responsible investment (SRI), or social investment, also known as sustainable, socially conscious, “green” or ethical investing, is any investment strategy which seeks to consider both financial return and social good to bring about a social change.

In general, socially responsible investors encourage corporate practices that promote environmental stewardship, consumer protection, human rights, and diversity. Some avoid businesses involved in alcohol, tobacco, fast food, gambling, pornography, weapons, etc.

Socially responsible mutual funds counted by the 2014 Trends Report increased in number to 415 in 2014, up from 167 in 2001. The overall number of mutual funds incorporating environmental, social and corporate governance (ESG) has increased four-fold increase since 2012.

Sustainable investments have proven to be competitive with traditional portfolios over time. From 1990-2015 the MSCI KLD Social Index (formerly the Domini Social Index) returned 10.46% annually, and outperformed the S&P 500, which returned 9.93%.

Read more here or watch this 3 minute video.