COMPREHENSIVE WEALTH MANAGEMENT

Complete Financial Planning & Ongoing Investment Management

Who It's For: Families and professionals who want comprehensive financial guidance and ongoing investment management, a trusted advisor coordinating every aspect of their financial life.

What's Included:

FINANCIAL PLANNING

Initial Comprehensive Financial Plan

Your financial plan addresses every major area of your financial life:

• Cash Flow & Budget Optimization

• Debt Management Strategy

• Retirement Planning & Projections

• Education Savings Planning

• Tax Optimization Strategies

• Insurance Needs Analysis

• Estate Planning Coordination

• Goal-Based Planning

INVESTMENT MANAGEMENT (Portfolio Design & Implementation)

Evidence-Based Portfolio Construction

My investment approach is grounded in academic research, not speculation:

Asset Allocation Design Research shows asset allocation, how you divide investments between stocks, bonds, Canadian, international, and other asset classes, drives over 90% of long-term returns. This is where I focus.

Global Diversification

Low-Cost, Transparent Implementation Why pay 2% + in actively managed mutual fund fees when you can get lower costs with often better results that mean more wealth for you.

Tax-Efficient Account Location Which investments go in which accounts matters enormously for after-tax returns.

Disciplined Rebalancing Markets cause your asset allocation to drift. Rebalancing brings it back, forcing you to buy low and sell high systematically.

Ongoing Portfolio Monitoring

What I Don't Do:

❌ Stock picking (choosing individual companies)
❌ Market timing (trying to predict short-term movements)
❌ Chasing hot investments or trends
❌ Following market "gurus" or predictions
❌ Using high-cost products without clear justification

What I Do:

✅ Strategic asset allocation based on your goals
✅ Global diversification
✅ Cost minimization
✅ Tax optimization
✅ Disciplined rebalancing
✅ Behavioral coaching to stay the course