Investment Planning
Every day, you’re probably engaging in small, subconscious acts of financial planning. With seemingly endless tasks and a limited amount of time available, how you invest your time helps ensure you’re making the most of the hours you have available.
But have you been investing time into understanding your investments?
It’s been said that you reap what you sow. And when it comes to enjoying your investments, truer words have never been spoken. Even if you don’t have thousands of dollars to invest, simply taking the time to choose where to park your money can be rewarding.
Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth, so you reach your financial goals.
Our Process
Create a point-in-time snapshot: We analyze where you are in terms of your current portfolio. In some cases, we can provide immediately actionable steps that benefit you; like leveraging tax-selling or profit-harvesting opportunities.
Develop a strategy: From your snapshot, we’ll draw-up strategies that will help you reach your financial objectives. This may be accomplished by building upon your existing portfolio or proposing a set of tax-efficient investments that are aligned with your personal financial goals.
Implement your plan: Our dynamic approach to investing evolves with your changing circumstances. We’ll guide and advise you on plan transitions as you go through life and lifestyle changes.
Consult, and counsel: Ours is an ongoing partnership. Throughout our relationship with you, we’ll review your portfolio, keep you informed, and communicate constantly with you about proposed changes and potential risks or opportunities for your investments.
Asset Management
You and your family (partner, spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from. Our service is all about helping you manage YOUR financial assets using a prudent and conscientious approach.
Why Asset Management is Important
Individuals and families depend on the assets they accumulate over the years, being able to sustain them later in life – in retirement or in the event of an unforeseen need. However, not everyone has the time to monitor and manage everything. And even if you do have the time, you might not have the skills and patience to do so. In not managing your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have them(or a significant portion of them) in times of need.
What We Can Do for You
As your investment advisor we will help:
- Determining your objectives: Not everyone has the same, or similar, financial objectives as they embark upon accumulating their wealth. To manage your assets prudently, we first need to understand what your goals are for initially accumulating and subsequently using those assets.
- Helping you choose your optimal asset mix: There are literally hundreds of asset-types that you can invest in, and as many ways to do so! Depending on your goals for asset use, we’ll help you choose the right asset mix that will most efficiently/effectively accomplish those goals.
- Assisting you create a strategic asset allocation plan (SAAP) and tactical asset allocation plan (TAAP): Successful investing is all about having a successful plan. We’ll help create both long-term (strategic) and short-term (tactical) allocation and management plans in line with the recommended asset mix.
- Building your portfolio: Today, thanks to DIY-investing, anyone can create a discount brokerage account and start buying assets and including them into a portfolio. However, that’s not the most efficient or effective way to create log-term wealth. Using the allocation mix agreed upon, we’ll build a results-focused portfolio of individual investments (Stocks, Bonds, Mutual Funds, ETFs, Alternate investments) that will help get you to your financial objectives.
- Managing and monitoring: Unless you have the time and patience to dedicate to portfolio management, it can’t be done effectively. We know you have other things to do – such as living your life, so we’ll watch over the portfolio for you, making sure it never strays from delivering the objectives you desire.
- Measuring performance: We track the performance of your assets under our care, and constantly measure how they are performing against industry recognized benchmarks.
- Managing risk: Our strategies include appropriate risk mitigation as part of this service. Where there are new risks to the portfolio, we’ll consult with you and propose timely and appropriate actions to manage and mitigate them.
- Reviewing, reporting, recommending changes and revisions to the strategy: Our services are based on constant and open communication and collaboration with our clients. Through regularly scheduled reporting and conversations, we ensure that your assets are continually reviewed, revised and updated to meet your changing circumstances.