Advisor's specialize in a number of services to meet the needs of their clients. Listed below are the most common services offered. To view services offered by this Advisor, refer to their profile.
Types of investments and/or investment strategies other than traditional investments such as stocks, bonds and mutual funds. Examples of alternative investments might include hedge funds, private equity or managed futures.
Business Succession Planning
Strategies related to the passing on of the leadership/ownership of a company or business. Advice may include taxation considerations, contingency planning and the coordination of external professional services.
Cash Management Planning
A practice that considers an individuals short term and long term liquidity needs, credit, taxation considerations, budgeting, debt financing and restructuring.
Strategic financial planning for individuals and dependents with physical or mental disabilities. Disability planning may include a combination of insurance needs assessment, estate planning, cash flow analysis, taxation and the use of trusts and/or the RDSP (Registered Disability Savings Plan).
Discretionary Portfolio Management
A service offered by advisors who hold the necessary qualifications (CFA, CIM) and are registered as a portfolio manager. A portfolio manager is authorized by his or her clients to make buy-sell decisions without referring to the client for approval of each transaction. Portfolio Managers are required to manage portfolios according to strict guidelines, frequently outlined in an Investment Policy Statement (an agreement between the client and the portfolio manager) which details how a portfolio is to be managed.
Creating a savings plan to support the financing of post secondary education that is balanced with other spending and saving priorities. The primary educational savings account for Canadians is the RESP (Registered Education Savings Plan).
The arrangement and management of an individuals financial affairs with the goals of maximizing the value transferred at death through careful and strategic planning.
A family office is a specialized advisory practice intended to serve the needs of very high net worth and ultra high net worth individuals and families. Family offices offer the integration and co-ordination of professional services intended to oversee the complete financial affairs of wealthy families. Including, but not limited to business, tax and legal advisory, philanthropic planning, wealth transfer planning, family governance and investment consulting.
Fee For Service Planning
An advisor who charges a set fee in exchange for their services. This fee can be either hourly, project based, or paid as a monthly or annual retainer. These advisors typically focus on providing detailed financial planning services rather than investment management services.
A dynamic process intended to achieve specific financial goals relating to an individual or families budgeting, saving, spending and investment needs. Financial Planning considers both short term and long term goals taking into account various unforeseen events and anticipated changes in circumstances.
High Net Worth Investors
Advisors who have the necessary experience and qualifications to meet the needs of individuals and families with a high net worth. These advisors typically offer specialized and integrated investment management, estate planning and wealth transfer solutions coordinating their services with other professionals such as attorneys and accountants.
Advisors who offer clients insurance products based on an insurance needs analysis, making adjustments to coverage as necessary.
A generic term that refers to the managing of a portfolio of investments (the buying and selling of stocks, bonds, ETFs, etc) to achieve a specific investment objective or combination of objectives (income, growth, capital preservation, tax minimization) while taking into consideration the clients tolerance for risk and investment time horizon.
Specialized advice relating to large scale charitable donations. Planning advice may include identification and vetting of recipients, goal setting and measurement, tax considerations and trust and foundation management.
Advisors with the necessary experience in addressing the unique financial planning needs and challenges that confront same sex couples and people who identify as LGBTQ.
Advisors who have specialized training in pre and post divorce financial planning. This may include advice relating to tax considerations, division of property, spousal and child support, valuing and dividing property and estate planning and insurance issues.
Portfolio Review (Second Opinion)
A complimentary service offered to prospective clients who are uncertain their needs are being met by their current advisor and are seeking an objective opinion regarding their investments. This may include concerns relating to performance, strategy, diversification, risk, fees and product type.
The process of planning life after paid work ends. This may include both lifestyle and financial considerations. Retirement planning includes considerations such as savings targets, income and cash flow planning, tax planning, insurance and estate planning.
Severance and Pension Transfer Strategies
Advice relating to the efficient transfer of severance packages and pensions, including considerations regarding taxation, benefits and investments.
Socially Responsible Investing
Sometimes referred to as sustainable or ethical investing – an investment methodology where the selection of investments is focused on companies that have corporate practices that encourage environmental protection, diversity, human rights, consumer protection, etc. Socially responsible investors will generally avoid companies involved in the production of fossil fuels, weapons, gambling, alcohol, tobacco and pornography.
Evaluating an individuals financial situation and taking the necessary steps to ensure the elements of a client or households financial plan work in the most tax efficient manner possible.
Services related to the preparation of income tax returns.
US Based Investors
Advisors who are registered with the US Securities and Exchange Commission (SEC) and able to offer wealth management services to US residents (any one residing in the USA for >182 days per year), as well as specialized services to US citizens residing in Canada.
Wealth Transfer Planning
Services intended to prepare clients and their heirs for inheritance. Services may include methods and timing of transfer, direct gifts, use of trusts and specialized investments products.