What you can expect
Greg's process is simple:
He applies what he knows to your situation and goals and then monitors the investments and reviews them with you on a regular basis.
Your initial meeting(s) is a chance for Greg and his team to get to know you and your financial situation and goals. At the same time, this is a good opportunity for you to ask questions and learn more about the value of working with a Financial Advisor and what Greg's team can do for you, including a discussion of fees.
Greg's Associate, Beth Ruff, is a former Financial Advisor and it is common for her to be present in the meetings as well. Beth helps Greg to take notes in the meeting, and her ten years of banking experience often comes in handy.
In addition to the obvious information that would be collected such as your age, your financial assets and income, you can expect other more subjective questions. For instance, it may be important to know your history with investing, what you would like to accomplish with your investments (goals) and your comfort level with different types of investments (risk tolerance).
Recommendations and Implementation
Whether you are simply looking to do better with your investments or you would like help with retirement projections or a financial plan, it is usually at the follow-up meeting where Greg is able to give you feedback on your current situation and make recommendations.
Once recommendations are agreed upon, they can be implemented.
Monitoring and Reviews
On a daily basis, Greg is watching the markets and economic news. He does a considerable amount of ongoing research on investments, the economy and financial planning issues. In addition to this, Greg regularly monitors your specific accounts and investments. Although he believes in buying good quality investments and holding them for the long-term, there is sometimes a need to make adjustments due to market events or tax changes. He will proactively contact you if he feels that revisions need to be made. In addition to this, their office will contact you a minimum of once a year for a face-to-face annual review. If you wish to meet more often than that, they are happy to do so.
These review meetings are a good opportunity to be in touch with how your investments and the markets are doing. At the same time, it helps to make sure that Greg is aware of any changes in your circumstances or goals. The review meetings may also involve some recommendations or further planning opportunities. The monitoring and reviewing is part of the ongoing process to meet your expectations and goals.
A number of Greg's clients are simply looking to make good choices with their investments and to have a qualified Financial Advisor available to answer any of their questions. Beyond this, however, some clients are looking for help with additional financial planning issues and services. These free and confidential services include the following:
It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice in:
- Life, Health & Travel insurance
- Disability and Critical illness protection
- Evaluating and assessing current policies and needs
- Independent comparison of market rates and recommendations
Investment Solutions & Portfolio Management
Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. We can provide educated advice and expertise for your needs, including:
- Registered retirement plans (RRSP, RRIF)
- Registered education savings plan (RESP)
- Tax-free savings account (TFSA)
- Investments regularly monitored by professionals
- Asset allocation and rebalancing recommendations
- Investment analysis and selection
By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones.
- Strategies for structuring your estate to reduce taxes at death
- Strategies for structuring your estate to reduce probate fees
- Charitable-giving strategies
Planning for Retirement
Gain confidence in the potential to grow your future income stream. We’ll help you design a plan where you can see what options you have to get where you want to go. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning.
- Evaluation of retirement options
- Retirement income projections and illustrations
- Retirement planning and recommendations
Group and Business Solutions
Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, such as:
- Group benefits & Group retirement
- Group pension
- Competitive employee benefits
- Business and key-person insurance
We can provide you with financial advice that will allow you to grow your wealth as fast as possible in a tax efficient way. We will help you determine what you need to do to achieve your financial goals and if there are any changes you might need to make in order to meet all your goals. Let us help you with:
- Tax minimization strategies
- Sheltering, use of trusts, income splitting, etc.
- Tax planning recommendations
- Tax-efficient investing
- Maximizing after-tax returns, using tax-preferred income, etc.
For more information on services and solutions for your financial needs...