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
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
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.
constructing portfolios, we focus our attention on time-tested, sound
investment practices. This results in high-quality, prudently built
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
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.
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.
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
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.
Even if no meeting or communication is required we commit to reviewing
your portfolio at least monthly, to ensure consistent monitoring of your
Should you have any questions, please contact The Cosgrove-Brock Group directly at 613-562-6498.