Planning Model

Our planning model recognizes significant events in your life that have financial consequences, such as:

  • Business Succession
  • Charitable Giving
  • Death
  • Disability or Critical Illness
  • Divorce
  • Estate Planning
  • Inheritance
  • Job Loss
  • Marriage
  • Retirement
  • Tax Planning
  • Wealth Transfer

It is critical to the effectiveness of our recommendations that we know where all of our clients’ assets are located. Proper recommendations can only be made with complete and accurate information. Our intention is not to disturb the work of other professionals, rather to complement it. Similarly, confidentiality is of utmost importance given the nature of our work and at all times is respected.

As part of our process, we ensure that current documentation exists, such as Wills, Powers of Attorney, and Advance Directives.

As Certified Financial Planners and Chartered Life Underwriters, we are bound by the Code of Ethics adopted by the Financial Planners Standards Council of Canada and ADVOCIS, the Financial Advisors Association of Canada.

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Our Process

We conduct our practice based upon the Financial Planners Standards Council (FPSC) and the Certified Financial Planners (CFP) financial planning model:

  • Establish the engagement
  • Gather client data
  • Establish the client’s objectives and analyze data
  • Project future needs and develop strategies
  • Develop and present our recommendations
  • Implement the financial plan
  • Monitor progress and make changes as needed