What WE DO

If you’re thinking you want to partner with us already, please go here.

If you’re wondering what a good financial advisor does, then you’ve come to the right place. Let’s start with what financial advice isn’t, though.

Financial advice is not about predicting the future.

It’s painful to even have to write that. What do we mean? To put it simply: nobody knows anything about the future. History rhymes but it doesn’t repeat. That’s why, based on what we know from the past, we focus on doing everything we can today to put ourselves in the best possible position for the future.

So, what does financial advice entail? Here are the most important things.

Financial planning. 

First, financial planning is a process, and it drives everything listed below. It’s about prioritizing what’s important to you, setting goals, and putting plans in place to achieve them. It’s not about a spreadsheet outlining the next forty years of your life.

The financial planning process focuses on optimizing both your current and future cash flow, as well as your net worth, year after year.

Tax planning.

Tax planning is an integral part of financial planning because minimizing your tax liability preserves your wealth.

We work with your accountant and lawyer to ensure taxes are minimized now, in the future, and when you die. Our emphasis is on comprehensive tax planning that includes tax-efficient withdrawal strategies during retirement and smart estate planning to ensure your wealth continues to benefit the people and causes you care about most.

Retirement and Retirement Income Planning.

It’s important to know that these aren’t the same thing.

Retirement planning involves doing what is right, year after year, to put you into the best financial position possible for the day you want to retire. Retirement planning is all about maximizing your net worth as effectively as possible.

Retirement income planning involves shifting to the part of your life where you no longer save. Retirement income planning is all about optimizing your cash flow until the day you die.

Investment management.

Investing is not about intelligence, it’s about temperament. There are two parts to investment management.

The first part is simple: be appropriately diversified, keep investment costs low, don’t chase performance, and invest in line with your tolerance for risk and your time horizon.

The second part is much more difficult: don’t make mistakes. On average, investment markets take it on the chin once every four years. And one in every ten years, things will get uncomfortably ugly. You have to fight the fight when that happens - even when things get ugly, you have to stick to the plan.

Odds are you’ll hate me when these market drops happen, but that’s fine, because my job is to make sure we keep your emotions in check. I know you’ll love me later. Everything will be fine; the end of the world only happens once.

Behavioural coaching and delegation.

We put this last, but it might be the most crucial aspect of our work.

Life is full of emotional challenges: fear, grief, or unexpected changes can significantly impact your decision-making. Our role is to support you through tough times, like job loss, the death of a loved one, or market volatility, to ensure that even when things are at their worst, you stay focused on what’s most important.

Your time is also valuable. Let us handle your financial matters, so you can devote your time to what matters, like pursuing your passions, nurturing relationships, and living your life.

Contact us to get started.