Our  Commitment to You:

Once we have discussed your personal and financial goals and your unique circumstances, together we create a personalized financial plan for you.  This plan incorporates our recommendations and strategies to help you achieve your goals.  We provide you with guidance and monitoring every step of the way.  We bring discipline and structure to your financial situation.

We set up a contact schedule that works for you.

When there is a need to rebalance your portfolio or if action is required on one of your investments, we will initiate the call to you.

On an annual basis, we will contact you to set up an Annual Review of your personal and financial situation to ensure you are on track to achieve your goals.

You will know where your portfolio stands at all times because we provide regular up-to-date reporting through statements, confirmations and online access.

Because we have a clear view of your long-term financial strategy and the depth of expertise to respond promptly, our clients know to call us first with any questions relating to their financial issues and concerns.

• Cash Management and Budgeting- Together we review your sources of income and expenses to ensure that your cash flow can cover your needs today and in the future, to give you financial security.
• Debt Reduction Strategies- We assist you to make a schedule to pay down your debts and reduce your interest expense so your funds can be redirected for future expenses.
• Investment Planning- We provide you with a "peace of mind" investment strategy- a balanced, diversified portfolio to suit your risk tolerance and time horizon, and to generate the stable income you need to support your lifestyle.
• Retirement Planning- For your transition into Retirement, we encourage you to envision what your Retirement will look like and we discuss its financial implications.  Our products include: RRSPs, RRIFs, Tax-Free Savings Accounts, Individual Pension Plans (IPP's) and annuities.
• Estate Planning- It is important to ensure that your Will and Powers of Attorney are up to date and that your documents are well organized.  We discuss what you need to know to develop an overall plan to guide all your estate planning decisions.
• Insurance Planning- We discuss how to protect your loved ones and your income and assets if something happens to you.  Insurance solutions also help to provide sustainable income and in tax planning. Our solutions include: Life, Disability, Critical Illness Insurance; Annuities and Segregated Funds; Guaranteed Income for Life Products; Tax Strategies; Creditor Protection.
• Education Planning- We can open a Registered Education Savings Plan (RESP) to enable you to make contributions now for the cost of a child's future education.
• Tax Planning- It is important to consult with a professional tax advisor for tax planning guidance.  We work with your tax advisor to develop tax-effective investment strategies that suit your individual situation. 
• Charitable Giving- Together with our internal experts we can assist you to set up a foundation and explore other charitable giving opportunities.