We provide retirement coaching and wealth management. We look after the details so you can experience your retirement - however you define it!

This option is ideal for those who have built up a solid amount of investable assets and want their financial planning and portfolio management handled appropriately in one unified plan. It is ideal for those who do not want to do this on their own but rather want to have a long-term relationship with an advisory team they trust and enjoy working with.

Many clients come to use this service because they don't have the confidence that their current financial relationships have the expertise for this kind of planning. They are tired of the revolving door of relationships and want to work with a team that can provide continuity in the planning and service relationship.

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We used a Fiduciary service and costs model. Using this model, we receive no compensation from the securities used to manage your portfolio.

This model ensures that you receive:

• Objective advice with no conflicts of interest

• Greater Investment Flexibility

• Competitive Cost 

Our primary function is to be our clients' overall advisor. In addition to all our regular meetings and the ongoing work on our client's behalf (including all the detailed planning listed in the Fee-for-Service Option), we have an open-door policy. Our clients contact us whenever they need/want something, and we facilitate it for them or bring in whoever we need whenever we need it.

We specialize in financial planning, retirement income planning, portfolio design and ongoing portfolio management. When it comes to portfolio design, we do the following:

• conduct retirement cashflow forecasting to confirm the required return on financial assets

• assess your psychological/emotional approach to investing and fine-tune strategies to align with these factors

• once the first two steps are complete, we design a customized asset mix that is aligned with your retirement goals

• The asset mix design provides direction on specific security recommendations. We are licensed investment advisors, and all trades are done through Assante Capital Management Ltd.

• When managing portfolios we favour the use of Discretionary Asset management (hold the stocks and bonds directly in your portfolio, and we manage the portfolio)

Essentially, you receive two dedicated fields of expertise (planning and portfolio management) for the price of one.

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We deliver a bespoke concierge financial planning service. On top of that, we pay special attention to helping you:

• see what their future looks like (using financial modelling)

• make solid investment decisions 

• reduce taxation 

• execute sound retirement income strategies

• clearly understand the things that matter and the things that don't

• prepare for inevitable economic storms

• Forecasting income and liquidity needs and sustainable inflation-adjusted income streams

• helping you plan cashflow tax effectively

• recommending and coordinating how income is generated

• look after all administration attached to income generation

• manage investment assets consistent with the income plan to provide current income and future income security

• portfolio screening and monitoring that can trigger profit-taking recommendations

• rebalancing portfolio and security monitoring

Price

Total cost will range from 1.5% to 1% per year (cost includes the provision of financial/retirement planning and investment management services. This number decreases based on the amount of assets under management. The larger the investment portfolio, the lower the fee. The account minimum is $300,000.

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Our financial planning and advice cost ranges from 1% to 0.5% per year, and the ongoing portfolio management fee ranges from 0.75% to 0..22% per year, for a total annual cost ranging from 1% to 1.5% per year. A portion of the costs may be tax deductible.

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For some high-net-worth clients, we may recommend investment options that are more expensive (and, in some cases, they are good strategy options). These investments could include Private Equity and Infrastructure investments.

1. Once you book an intro call, we will go over things in more detail to see if we think it's a good idea to set up a meeting (either online or in person).

2. In this meeting, we will review our planning process and the different investment counsellors we partner with to understand which one(s) would make a good fit. We choose these counsellors carefully based on their historical performance, their style of managing money and their fees. We don't fool around in this area, as our reputation is tied to those we work with.

3. After this meeting, you should have a solid sense of whether or not this is something you want to pursue. If we both agree that it is, then we will begin the process of transferring your various investment accounts to our investment brokerage platform (Assante Capital Management Ltd.) 

4. Once transfers are complete, we will begin working on the initial draft of your retirement projection, which we will continually update and refine as your situation evolves.

5. From then on, our team will be on retainer for you.