My investment playbook
Whether you are a conservative or a growth-oriented investor, and whether you are at the pre-retirement or post-retirement stage, I will design a prudent investment plan that best suits your needs, no matter how complex and sophisticated they may be.
Discovery. First, I will obtain a clear understanding of your long-term objectives, appetite for risk, need for cash flow and stable returns, and the current tax efficiency of your investment strategy.
Discipline and customization Then, based on your unique financial needs we will develop a disciplined, high-quality, portfolio, applying my prudent and structured approach emphasizing risk management, diversification across asset classes and tax-efficient asset allocation. Paying attention to your precise risk tolerance, I will design and monitor a unique portfolio based on your individual parameters.
Sophisticated Investment Selection. I invest in high-quality, profitable companies and help you minimize tax at every opportunity. My recommendations centre strictly on large-cap, high-quality, best-in-class companies that have a competitive advantage. Using no pre-packaged platforms, I select my own stocks based on industry-leading research coverage from BMO Capital Markets and select third-party research to make certain that your portfolio is prudently invested and focused on generating long-term, tax-efficient returns consistent with your profile.
For the fixed income components of your portfolio, I will recommend laddered bonds and GICs. Laddered bonds and GICs provide a security guarantee and a steady flow of regular income while minimizing interest rate risk from the picture. They can help me meet your income requirements without having to sell stocks.
My all-season portfolios are designed to offer consistent cash flow during all cycles. The goal is to maximize your long-term growth potential while creating a tax-wise, consistent income stream for retirement.
Diligence. I will monitor your portfolio regularly and carefully and report your progress in meetings with you upon your choice of time frame. I will continually rebalance your portfolio to keep your numbers on track, recalibrating to maintain the asset allocation percentages we have agreed upon. This is key to your long-term success.
Choose your preferred advisory platform
I can manage your investments through two service platforms. Let’s discuss which option is best for you:
Discretionary portfolio management, through which I make your investment decisions for you based on your customized Investment Policy Statement. If you’re busy and hard to reach, or not interested in taking an active role in your portfolio decisions, this is the best framework. It frees you from stress, allows you to focus on what you do best, and empowers me to make portfolio changes on a timely basis without having to wait for your approvals.
Your Investment Policy Statement (IPS) is a customized document that details your goals, risk tolerance, time horizon, preferences and interests. Using these unique parameters as a roadmap, we will do all the day-to-day buying, selling and wealth planning for you. You pay one single, asset-based fee and our interests are aligned because you and our team both benefit when your asset base grows.
OR
Advisory services provide you with an active role in your day-to-day portfolio management. We will discuss your investment holdings and make decisions together. This is ideal if you have the time and interest to be involved in your portfolio decisions and have strong opinions about what you want to invest in or avoid, such as environmental, social or governance criteria.
Remember
Change produces opportunities. The path to achieving our goals does not often follow a straight road. It is a fact that “Investors who work with advisors for 15 years or more accumulate 3.9 times more in savings than comparable investors without advice.1
“A bend in the road is not the end of the road…unless you fail to make the turn.”
- Helen Keller
Should you find yourself questioning whether your current wealth management approach can be improved, contact me.
1 Investment Funds Institute of Canada, “Advice Creates Strong Value for Canadians,” Advisor Insights, May 2017.