Our Approach

How We Work With You

We start by getting to know each other & discovering your financial goals.
 

Each of our client relationships is founded on trust and understanding. In our first meeting we will uncover what matters to you, what your goals are, your current financial position, who matters most in your life, what your financial aspirations are, and what your ideal legacy looks like.

Building a financial plan tailored to you.
 

Next, we will build a complete financial plan for you. The plan is a living document that you can refer to at any time to help understand your current and future financial picture. Furthermore, we will provide you with advice on how your money should be invested in order to align with your individual goals.  
 

Together, we monitor the plan & the advice to ensure it's working.
 

There are two key elements to a successful financial plan: 
 

1) True Long-Term Time Horizon 
 

2) Regular Communication

Things change, and as they do we will stay on top of your plan to keep it relevant.

For clients in the MPA Program 
 

Our primary focus has been on the Managed Portfolio Account Program. In this Program (through Nesbitt Burns' top-ranked Research Department), we try to identify the top 2 or 3 companies in each of the 11 sectors of the economy. We strongly believe the top 2 or 3 companies will outperform the average of the (often) 20 or more companies in those sectors. If they do, we will outperform the market, which we have done regularly. 

The MPA Program uses a very moderate fee-based approach (no commissions or transaction costs), and because we have a fiduciary obligation to those clients, those are the clients we must act for first, whether it is a new buy, or a new sell. 

As we like to say, by the time we get to Mr. Zelinski on the buys and sells of the rest of the clients, the "buy" stock is often $5 more expensive, and the "sell" stock is often already lost $5 from where it was, so performance is often much better for MPA clients.