OUR PROCESS

forward thinking

People who fail don't plan to fail, but usually fail to plan.

Having a financial road map can show you where you are and how you can reach your goals.

Without a good map to guide you on your financial journey, you can easily get lost in a maze of debt, taxes, unnecessary spending and bad investments. Following the directions on the map allows you to safely pass through life’s challenges and reach your financial goals.

It can take years, even an entire lifetime, to achieve some of your dreams. So you need to stay focused on what’s important to you and do the things that will bring you and your family to a brighter future. 

Creating a strategy to minimize risks, address day-to-day concerns, and realize long-term goals can be a complex and stressful undertaking, especially if you do it on our own.  A financial professional simplifies the process for you and saves you the hassle of trying to figure out everything alone. You don’t have to consume so much time and energy or become a financial expert in order to make intelligent financial decisions. 

This is why we are here.

We’re here to help you clearly see the big picture: your current situation and the future you desire.  We’re here to advise you how to prepare for the future and move closer to your goals. We’re here to help you stay on track.

To get a free financial consultation or book an appointment, please contact us.

Often, financial problems arise and precious time gets wasted because people mismanage their funds.

Many people make the mistake of unwise spending, impulsively buying unnecessary items instead of allocating limited resources to improve their quality of life. Spending too much now and thinking too little of the future, they fail to see how being shortsighted can hurt their long term financial security. At the other end of the extreme are those who worry too much about losing money that they ignore opportunities for a brighter future and end up being unable to enjoy life.

With a sound financial strategy in place, you can know what to do and avoid the mistakes a lot of people make with money.

Balance your present needs with your goals for the future

Adapt to major changes in your situation

Control your finances and avoid being burdened by debt;

Be well-prepared for emergencies and tough times

Stop worrying about money or the future

Understand the way to reach your life's goals

Our Process

There must be a good fit between the financial advisor and the client. The two must be able to work together in order to formulate meaningful solutions and implement them successfully. 

We know each client is unique and has different needs. So we seek to understand what your situation is and what’s important to you. We also do our best to make our recommendations easy to understand.  And because everyone’s situation can change, we meet with you regularly and, if needed, propose changes and new solutions to address your financial needs.

  • Explain issues and concepts that are appropriate to you.
  • Explain the services we will provide.
  • Clarify your responsibilities as a client. Clarify our responsibilities as your advisor, including how and by whom we will be compensated.
  • Discuss with you the scope of the client/advisor engagement; agree on how decisions will be made.
  • Obtain information about your financial resources and obligations through interviews or questionnaires.
  • Gather all the necessary documents before giving you the advice you need.
  • Help you define your personal and financial goals, needs and priorities.
  • Investigate your values, preferences, financial outlook and desired results as they relate to your financial goals, needs and priorities.
  • Analyse your information to assess your current financial situation.
  • Identify your problem areas or opportunities with respect to:
    • cash flow and debt management
    • risk management
    • taxation
    • retirement planning
    • estate planning
    • business continuity
    • special needs, e.g., adult dependent needs, education needs)
  • Develop and prepare a financial solution tailored to meet your goals.
  • Present our recommendations to you, for your feedback and approval.
  • Answer any questions you may have.
  • Establish an appropriate review cycle.
  • Assist you in implementing the recommendations discussed.
  • Evaluate how well our solution is helping you address your needs.
  • Periodically contact you to review your situation, including any changes in your life circumstances brought about by major events such as birth, illness, marriage, retirement, etc.
  • Make adjustments as may be needed to help you achieve your goals.