1. Our relationship
Our relationship starts with the development of a financial plan to achieve your long-term financial goals. As part of this plan, we cover your investment, insurance, tax and estate planning issues, and the appropriate benchmarks against which to measure results.
2. Communicating with your other advisors
Our goal is to serve as your chief financial advisor. As part of this role, with your permission beforehand, we communicate with any existing professional advisors such as tax accountants and estate lawyers. If required, we also tap into our own network of professional advisors.
3. Our investment philosophy
Our investment philosophy is essentially conservative in nature. Operating within your specific risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk. As a result, we both sleep soundly at night.
4. Tax planning
Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, prudent use of leverage and family trusts will be evaluated.
You will receive regular reports of purchases and sales performance - monthly where there has been a purchase or sale, quarterly otherwise. We are always available to answer any questions on these statements; in addition, we review the format of reporting with all new clients, to minimize confusion or misunderstanding about how to read the results.
6. Reviewing your account
We monitor your account on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, we will meet regularly to review the performance of your portfolio and if appropriate modify your plan.
7. Returning calls
We make ourselves as accessible to clients as possible and aim to return phone calls promptly.
8. Client communication
We believe that our best client is the one who is fully informed. As a result, we have a strong commitment to client communication through regular workshops for clients on market updates and guest speakers. In addition, we maintain a library of some of the very best books on personal finance, available for loan to all our clients.