Portfolio construction and ongoing maintenance: Even if no meeting or communication is required, we commit to reviewing your portfolio at least quarterly, to ensure consistent monitoring of your holdings and appropriate positioning in the market.
Annual comprehensive portfolio review meeting: Annually, we will arrange a 1:1 meeting to review your financial plan and your investment portfolio. This comprehensive meeting will cover a historical look-back on the previous year, including changes made in your portfolio, an analysis of the rates of return, your asset and sector allocation. We will also focus on the year ahead, understanding any anticipated life changes or upcoming financial milestones and adjust your positioning in the markets. We will take this opportunity to revisit your financial plan, and discuss the need for any other wealth management expertise involvment (tax planning, estate or insurance specialists).
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). These communications will come via monthly comuniqué, semi-annual comprehensive newsletter. Our phone lines are always open, you do not need to wait for a scheduled portfolio review to call us with any questions or concerns.
Performance reporting: Based on your stated preferences, investment statements will be communicated on a monthly or quarterly basis, via physical mail or electronically through our online portal: Gateway.
Working with your key advisors: Though we strive to have you centralize your wealth services with us, there are some services that cannot be performed by us in-house, including legal and accounting services. For efficiency purposes, we are happy to work directly with your other key advisors in these areas to ensure all your needs are met.
Financial plan development: Using Wealthpath, our proprietary financial planning software, we build, monitor and update your financial plan