Our Goals:

• To serve our clients with utmost dedication and integrity so that we exceed their expectations and build enduring relationships.
• To offer unparalleled quality of service through complete knowledge of products, constant innovation in services and use of the latest technology.
• To always give honest and unbiased financial advice and earn our clients’ continued trust.
• To serve the community by educating individuals on the merits of Financial Planning and in turn help shape a financially strong, thriving society.
• To create value for all stake holders by ensuring profitable growth.
• To utilize the power of teamwork to function as a family and build a seamless organization that is built on the foundation of ethical behavior.

Financial Planning is a process. It takes a snapshot of your present financial situation, determines where you want to be in the future, and by what means or tools you will use to get there. In our eyes, everyone does financial planning - some individuals are just more successful than others. We want to be a partner in your financial success.

Our Full Circle Approach to Financial Planning and Financial Services is straightforward in nature and encompasses the following steps.

1 – Information –Identify your financial and personal goals

Our process begins with an introduction.  Understanding your immediate needs, priorities, future goals, income needs, retirement goals, risk tolerance, and to clarify your financial objectives will help us get a better understanding of how we are to structure your financial plan. All future recommendations will be based on your financial objectives and values. 

2 – Analysis – Clarify your present financial situation

We then conduct a through analysis of your current financial situation with a review of:

• Current Assets/Liabilities
• Income and Cash Flow sources
• Insurance and Benefits
• Wills and Estate objectives
• Financial issues and roadblocks

By clarifying your present status and identifying gaps in your current plan we are able to offer opportunities, which enable you to have a well rounded, plan to reach your goals in a timely manner.

3 – Recommendations & Solutions

Options, strategies and recommendations will be prepared for your review based on the information we obtained in the analysis stage.  You may want to investigate some different scenarios with your advisor or look at the tradeoffs between short-term and long-term goals.  We provide information so you can make informed and intelligent decisions.  Once you are comfortable with the recommendations, a comprehensive financial plan is finalized and an action plan put into place.

4 – Implementation

Our team will implement your plan based on the appropriate selection of products and services. Usually the complexity and length of implementation will depend on the nature of your financial goals and level of risk, among other things. Our Basic Financial Plan can be implemented simply and seamlessly.  Some clients have unique Advanced or Sophisticated Plans, in which case implementation strategies are typically rolled out over several stages.

5 – Review, Monitor and Update

Our door is always open and the cappuccino is hot and ready.  We see our clients as much as they want to see us.  Periodic reviews and updates are needed to evaluate progress towards your financial objectives.  We conduct mandatory annual review meetings, which are required by the regulatory bodies in our industry. However, we understand that life is continually changing and that your financial plan may need to be adjusted on a more frequent interval. Whether you meet with us annually or monthly, we are always here to guide, advise and assist you.  We encourage our clients to review their statements and investment valuations, and access other financial tools through our online client centre.