Our process

Introduction:

Our first step is to complete an introduction meeting either in person, over the phone or via Zoom.

We will take the time to:

  • understand your current situation
  • understand your current and future goals
     

Getting to know you:

We will collect the following data (as applicable):

  • Investment statements
  • Mortgage/Loan statements
  • Insurance statements
  • Pension statements
  • Income tax returns & notice of assessments
  • Group benefit booklets 

 

Analyze Data & Prepare the Plan:

We will then analyze the data we have collected and relate our analysis back to the goals we discussed at our introduction meeting - by completing a financial plan.

We can then determine if you are on track to meet your goals. If you are not on track, we can provide recommendations to put you back on track.
 

Present the Plan:

Once we have analyzed your data and have outlined our recommendations, we will schedule another meeting to present our findings through the financial plan we completed. 

At this time, we can make any adjustments to your plan and answer questions that you may have.
 

Implement the Plan:

Decision time!

If you see value in the plan we have developed and agree with our recommendations - it is now time to implement the plan!
 

Review the Plan:

Once we have implemented the plan, it is imperative that we review and update the plan regularly. 

We generally like to meet at least once a year - if not more frequently, based on your needs.

Our multi-generational approach:

Your parents worked hard to set you up for success, as their parents did for them and you do for your children. Multi-generational financial planning is imperative for families to consider, as we enter the biggest multi-generational wealth transfer in history. 

We have found great success in helping bridge the gap between providing advice not only to our clients, but to their parents and/or children. This is especially true in regard to estate planning. We have discovered that bringing adult children into the estate planning discussion early-on allows for a smoother distribution of the estate, when that time comes. In addition, with our younger clients we pride ourselves in the ability to educate them, so that they are able to make informed decisions regarding their financial well-being.

One of the common things our clients say to us is, "I wish I had started planning for my future sooner." What better gift to give a loved one than the ability to start planning for their future now?

We would be happy to meet with your family members to discuss our planning approach.
 

Ask an advisor: Market volatility

Learn about market volatility, how it impacts your investments, and how you can manage it.

 

 


View video script

 

Description: This animated video introduces a character named Tim and his advisor with illustrated graphics to show how market volatility can impact your imvestments and how to manage it.

Text: Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “How does market volatility affect my investments?” fades in below. An illustration of a bar graph draws on the right side of the frame.

Tim: There seems to be lots of ups and downs in the markets these days. What’s that mean for my investments?

Description: Tim and his advisor stand on a bridge in front of a body of water and hold coffee cups. The illustration zooms in on Tim, then on the advisor.

Advisor: Some market volatility is the sign of a normal, healthy market.

Description: A graphic titled Historical Returns appears on screen and draws the S&P/TSX composite total return index between 2004 and 2008.

Advisor: I know big declines in the market can make you question your investment plan.

Description: The graph expands to a falling market around 2009, then an improvement in the market until 2014.

Advisor: But, history has shown that when the market does fall, it eventually comes back even stronger.

Description: The graph flips over a smaller graph titled Retirement. It shows growth between 1% and 3% over a period of time.

Advisor: And that can be good for your investments in the long run.

Description: Screen transitions to a shot of Tim talking.

Tim: Are there things I can do to prepare for volatility?

Description: Screen transitions to a shot of the advisor talking and showing Tim the screen of her phone.

Advisor: There are – some you’re already doing.

Description: The rectangles appear on screen one on top of the other with the text, Investment plan, Long-term goals and Investment risk.

Advisor: Like having an investment plan. Staying focused on your long-term goals. And understanding your tolerance for investment risk.

Description: Screen returns to Tim and the Advisor standing on the bridge.

Advisor: Let’s talk about other strategies to help you manage market volatility.

Description: Text – Let’s talk. Contact me today appears onscreen with the legal line: “Video produced by Canada Life. canadalife.com 1 888 252-1847."

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