We start with one or more conversations with you in which we get to know each other at a high level. The objective is to assess whether a productive working relationship might exist. If both parties are comfortable with the “fit”, we proceed to information sharing and discovery.

You or your professional advisors (e.g. accountant) share your relevant financial information with our team through our secure file-sharing platform. This can include documents such as financial statements, investment statements, personal and corporate tax returns, insurance policy details, wills, and other important data.

Our team comprehensively reviews your documentation and conducts a detailed interview process to establish a clear picture of your financial priorities, cash flow, net worth, income tax issues, estate distribution goals, potential business or wealth transfer challenges, and existing gaps in your current plan.

Considering your objectives and the agreed upon assumptions developed during the discovery process, we create an initial financial plan that lays out how we can help meet your needs and achieve your goals. Among other things, the plan provides data relating to future cash flows, asset values, income sources, current and future income tax, and the impact of future business or real estate sales.

We review your financial plan with you, highlighting important planning issues identified during the discovery process (e.g. the impact of desired future spending, the ability to support children financially, how existing debt affects your plan, whether you can procure a vacation property, the viability of projected retirement dates, etc.). Together, we discuss potential plan trade-offs and reach agreement on an asset mix that will support your short-, medium-, and long-term requirements and goals. We then develop a detailed action plan to manage your future wealth transfer strategy, income tax, asset protection, business succession, and other items uncovered during discovery.

Once you approve your plan, our team gets to work implementing the various strategies that together will power your financial plan, collaborating with you and your professional advisory team as needed. Depending on your priority rankings, strategy implementation may prioritize investment management, estate planning, risk management, succession planning, or other critical areas.

Once your financial plan is implemented, our team will monitor its progress on an ongoing basis and make proactive updates to keep your plan on track. We will also meet with you regularly to review your financial plan, discuss any changing needs or circumstances, and ensure that you have clarity on your progress towards your goals.