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Philip Brock
Elizabeth I. Cosgrove, CFP
Patricia Butler, B.A.
Clara Augustine

979 Bank Street, 6th Floor
Ottawa, ON
K1S 5K5

My Services

Planning Approach

Retirement Planning
: For many this is the main concern when doing financial planning. With more people retiring early, and ever increasing life-expectancy, it is crucial to recognise the changing nature of retirement and the impact that this can have on financial planning. It is just as crucial to take various forms of risk into consideration in the management of a retirement plan.

Estate Planning: It is often said that the only two certainties in life are death and taxes. We can help you plan for the former by minimizing the latter, thus making life easier for those you leave behind. Whether the goal is charitable giving, keeping the cottage in the family, or just ensuring a fair and even division of your assets, we can work with our partners such as our Estate and Insurance Advisors to counsel you in an appropriate way.

Transition Planning: There are moments in our lives when difficult choices must be made. Whether it’s subsequent to an early retirement, a lay-off, a career change or the breakdown of a relationship, we are sometimes forced to weigh various alternatives and launch ourselves in a new direction. Having a sound financial plan in place allows for better decisions following a reasoned and objective analysis of the various options.

Investment Approach

When constructing portfolios, we focus our attention on time-tested, sound investment practices. This results in high-quality, prudently built portfolios:

Appropriate diversification: No single holding should have undue influence on the overall portfolio. This means that we will recommend holding a diverse enough assortment of securities to ensure that we are limiting risk in the portfolio. We also pay attention to the historic volatility of any individual security, and how it impacts on the risk profile of the portfolio.

An emphasis on cash-flows: History tells us that a very large proportion of total return stems from the cash flows generated by the securities we hold. We believe that companies that pay a healthy, stable and sustainable dividend to their shareholders are more likely to yield strong returns over time for investors.

A portfolio approach: Investment decisions should be made in the context of the entire portfolio. A client’s financial plan feeds into our overall asset allocation recommendation, and a client’s tax situation impacts on our recommendation for how each individual account is structured. Every recommendation we make looks not only at the quality of the individual security but at its impact on the portfolio as a whole.

Review and rebalancing: The construction of a portfolio is an important step, but its maintenance will also influence the client’s investment experience. From time to time, it is appropriate to make changes to the asset allocation of a portfolio, either as part of the financial planning process or proactively based on the evolution of financial markets.

The Relationship

Periodic review meetings
: Based on your needs, meetings will be arranged at regular intervals to review your financial plan and your portfolio.

Performance reporting: We will ensure that the performance of your portfolio is transparently communicated to you.

Seasonal contact: Throughout the year, you can expect to hear from us to resolve any seasonal financial issues (RRSP and TFSA contributions, RRIF withdrawal and conversion deadlines, tax management in taxable accounts, tax reporting).

Teamwork with your key advisors: We are happy to work with your other key advisors (accountants, lawyers, etc) to ensure that all your needs are met.

Portfolio monitoring: Even if no meeting or communication is required we commit to reviewing your portfolio at least monthly, to ensure consistent monitoring of your holdings.

Should you have any questions, please contact The Cosgrove-Brock Group directly at 613-562-6498.