Successful management of your wealth requires extensive knowledge. Investments, retirement, income tax, managing risk, estates and business are a few. It also needs experience to design, implement and monitor your game plan to realize your personal goals and objectives.

We request the initial information listed below, then we hold the first meeting with you. We cover your personal objectives, present our approach for your situation, discuss our services and answer your questions. The central question is "what is important about your finances to you?"

Some clients seek portfolio growth. Some focus on capital preservation. Some require specific income streams. Some leave a legacy for the family and community. Some want to provide for their children and grandchildren. Some need help with the family business and estate plan.

We ask some initial information to prepare for our first meeting. Your top three financial concerns. Your short and long term goals. Your current priorities. Your list of assets and liabilities.

Copies of all investment accounts. Your income and saving capacity expectations. Your retirement target date and desired living expenses. Financial statements for your business.

We help clients build broadly diversified portfolios. We recommend a mix of investments to create a personal game plan consistent with the client's needs, time horizons, and risk tolerances.

Our advice is tailored to what is important to each client. The cornerstone of managing client wealth requires patience, discipline, objectivity, and clear investment policies.

We serve our clients by acting as their complete advisor for the entire portfolio. We aspire to deliver value and provide peace of mind. And foster long and happy relationships with them.

Our professional management fees are based on the market value of your portfolio. Investment management fees paid on non-registered portfolios are deductible for tax purposes. A summary of annual fees is provided.

Our definition of portfolio manager is a professional who designs, manages and invests client portfolios according to the unique investment criteria of each client. We are not compensated by commissions for our recommendations to buy or sell securities.

As potential bias is removed, we are rewarded for managing the portfolio in accordance with the client's objectives. For many clients, this objectivity is the most attractive feature for engaging us.