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 (The Foundation)

Initial Comprehensive Financial Plan

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

Cash Flow & Budget Optimization

• Analysis of income, expenses, and savings capacity

• Identification of opportunities to optimize spending

• Strategies to balance current lifestyle with future goals

• Emergency fund establishment and maintenance

Debt Management Strategy

• Mortgage acceleration vs. investing analysis

• Student loan repayment optimization

• Credit card and other debt strategies

• Debt-free timelines and milestones

Retirement Planning & Projections

• Detailed retirement income projections

• CPP and OAS optimization strategies

• Pension analysis (for federal employees and others)

• Retirement age scenario modeling

• "Can I afford to retire?" analysis

• Longevity planning and sustainability assessment

Education Savings Planning

• RESP setup and contribution strategies

• Government grant maximization (CESG, CLB)

• Investment strategies within RESPs

• Withdrawal planning for education expenses

Tax Optimization Strategies

• RRSP vs. TFSA contribution recommendations

• Income splitting opportunities

• Tax-efficient account structure (which investments in which accounts)

• Tax-loss harvesting strategies

• Retirement income tax minimization

• Estate tax planning

Insurance Needs Analysis

• Life insurance calculation and recommendations

• Disability insurance assessment

• Critical illness coverage evaluation

• Insurance policy review and optimization

• Beneficiary designation coordination

Estate Planning Coordination

• Estate goals and legacy planning

• Beneficiary designations across all accounts

• Tax-efficient wealth transfer strategies

• Coordination with estate planning attorneys

• Will and power of attorney guidance

Goal-Based Planning

• Prioritization of competing financial goals

• Timeline and milestones for each objective

• Probability analysis: "What are my chances of success?"

• Scenario modeling (different retirement ages, market returns, spending levels)

• Annual goal reviews and adjustments

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.

Your portfolio asset allocation is customized based on:

• Your financial goals and timeline

• Risk tolerance and capacity

• Tax situation

• Current life stage

• Other assets and income sources

Global Diversification

• Canadian equity exposure

• U.S. equity markets

• International developed markets

• Emerging markets

• Fixed income (bonds)

• Consideration of alternative asset classes when appropriate

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.

• Index-based funds provide broad market exposure

• Cost-conscious fund selection

• No high-fee actively managed mutual funds without compelling justification

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

• Interest-generating investments in RRSPs

• Canadian dividends optimally placed

• Capital gains tax management

• U.S. withholding tax optimization

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

• Annual to Quarterly portfolio review

• Rebalancing when allocations drift beyond thresholds

• Tax-aware rebalancing in non-registered accounts

• Opportunistic rebalancing during market volatility

Ongoing Portfolio Monitoring

• Continuous performance monitoring

• Market condition assessment

• Economic outlook integration (without market timing)

• Portfolio drift identification

• Proactive adjustments as your situation changes

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

RISK MANAGEMENT & INSURANCE PLANNING

Comprehensive Risk Analysis

Protecting your financial plan is as important as building wealth:

Life Insurance Needs Analysis

• Income replacement calculation

• Debt coverage (mortgage, loans)

• Education funding for children

• Final expenses and estate needs

• Term vs. permanent insurance recommendations

• Coverage amount optimization

Disability Insurance Evaluation Your income is likely your most valuable asset, often worth $2-5 million over your career. Protecting it is critical.

• Review of existing group coverage

• Assessment of coverage gaps

• Own occupation vs. any occupation definitions

• Supplemental individual coverage recommendations

Critical Illness Insurance Assessment

• Evaluation of whether coverage is appropriate for your situation

• Cost-benefit analysis

• Integration with overall financial plan

Insurance Implementation Support

• Policy comparison and selection guidance

• Application process assistance

• Medical exam coordination

• Policy document review

• Ongoing coverage reviews as life changes

Important Note: Insurance recommendations are based on your needs and financial situation, integrated with your overall financial plan.

ONGOING SUPPORT & GUIDANCE

Review Meetings

• Portfolio performance review and rebalancing

• Progress toward goals assessment

• Life changes discussion and plan adjustments

• Tax planning conversations

• Upcoming deadline reminders

Unlimited Communication

• Email and phone support between meetings

• Questions answered promptly

• Quick guidance when you need it

• Life event planning (job changes, major purchases, family changes)

Proactive Communication

• Tax planning reminders (RRSP deadlines, year-end strategies)

• Important legislative changes affecting your plan

• Market commentary (behavioral focus, not predictions)

• Opportunities for optimization

Annual Plan Updates

• Comprehensive plan review and update

• Goal adjustments as priorities evolve

• Updated projections with actual progress

• Strategy refinements

The Process: How We Work Together

Phase 1: Discovery Meeting (Free 30-Minute Call)

• Get to know each other

• Discuss your goals, concerns, and financial situation

• Determine if we're a good fit

• Answer your questions about my approach

Phase 2: Comprehensive Data Gathering (Week 1-2)

• Complete detailed financial questionnaire

• Gather account statements, tax returns, insurance policies

• Employee benefits information

• Pension details (if applicable)

• Estate documents

Phase 3: Analysis & Plan Development (Week 3-5)

• Analyze your complete financial picture

• Design customized investment portfolio

• Model retirement scenarios

• Calculate insurance needs

• Develop tax optimization strategies

• Create comprehensive written financial plan

Phase 4: Plan Presentation (Week 6 - 2 hours)

• Present a complete financial plan

• Walk through all recommendations in detail

• Explain the reasoning behind each strategy

• Answer all your questions

• Adjust recommendations based on your feedback

Phase 5: Implementation (Week 7-12)

• Open/transfer investment accounts as needed

• Implement portfolio strategy

• Initiate insurance applications

• Execute tax strategies

• Set up automatic contributions

• Begin systematic investment plan

Phase 6: Ongoing Partnership (Quarterly & Ongoing)

• Regular quarterly review meetings

• Continuous portfolio monitoring and rebalancing

• Life event planning and adjustments

• Annual comprehensive plan updates

• Always available when you need guidance

Ideal Client Profile

You're a great fit for Comprehensive Wealth Management if:

✓ You have $100,000+ in investable assets
✓ You value comprehensive planning, not just investment management
✓ You want a strategic partner, not just a product provider
✓ You're committed to long-term wealth building
✓ You appreciate evidence-based strategies over speculation
✓ You're a young family building wealth or a pre-retiree planning retirement
✓ You want coordination across all aspects of your financial life

Common Client Situations:

• Young families (30-45) juggling mortgages, education savings, and retirement planning

• Mid-career professionals wanting to optimize their wealth-building strategy

• Pre-retirees (50-65) needing confidence about retirement readiness

• Federal government employees navigating pension decisions

• Families needing coordinated insurance and investment strategies

• Anyone wanting evidence-based planning instead of speculation

Investment Philosophy in Detail

Why I Focus on Asset Allocation, Not Stock Picking:

The Research is Clear:

• Over 90% of portfolio return variability comes from asset allocation decisions

• Over 15-20 year periods, 90%+ of actively managed funds underperform their benchmark

• Even professional fund managers rarely beat index strategies consistently

• Market timing strategies fail to add value after costs

What This Means for You: I don't waste time trying to pick winning stocks or time the market, activities proven not to work. Instead, I focus on what actually matters:

1. Proper Asset Allocation: Matched to your goals, timeline, and risk tolerance

2. Global Diversification: Spreading risk across geographies and asset classes

3. Cost Control: Using low-cost index-like funds instead of high-fee activley managed mutual funds

4. Tax Efficiency: Strategic account location and tax-loss harvesting

5. Disciplined Rebalancing: Buying low and selling high systematically

6. Behavioral Discipline: Keeping you invested through market volatility

These fundamentals drive long-term success. That's where my expertise adds value.

My Investment Beliefs:

• Markets are largely efficient over long periods

• Diversification reduces risk without sacrificing returns

• Costs and taxes significantly impact net returns

• Behavior matters more than market returns

• Long-term discipline beats short-term speculation

• Evidence trumps opinions and predictions

Pricing

Comprehensive Wealth Management Fee:

Assets Under Management (AUM) Based:

• Percentage of assets under management, typically 0.75%-1.25% annually depending on portfolio size and complexity

• Includes all comprehensive planning, investment management, insurance coordination, and ongoing support

• Fee decreases on larger portfolios (tiered structure)

Minimum Engagement: Typically $100,000 in investable assets

All fees are transparent and agreed upon before we begin working together. No hidden costs, no surprises.