Financial Planning

Balance, diversification, growth and value are key components to help protect your investments and your future. We want your money to stay safe, grow over time and be managed properly with your goals in mind.

"I treat all of my clients with integrity, honesty and respect.  This philosophy has enabled me to develop trusting relationships with my clients and friends for over 30 years; long enough that I am now working with their children."

~Victor Malli

"Measure twice. Ask questions. Measure again and cut once. This is the adage that has been at the heart of my career in finance, ever since my family's financial advisor taught me that to help secure my client's financial futures, you ask questions and challenge assumptions."

~Krista Hansen

Someone once said, "Your money is like soap. The more you handle it, the less you have."  Year after year, research has shown that the average investor underperforms the market, earning half of the returns they could have, usually because of poor timing. To fare better than the average investor, when you move money around, it needs to be part of a well-designed investment plan. That's where we come in.

"Someone is sitting in the shade today because someone planted a tree a long time ago."

~Warren Buffet

So how do you start planting?

To find out, ask yourself;

What are my needs and goals?

Is this for retirement? To buy a house? If it's for retirement, think about how much money you'll need for your retirement. This figure will help determine how much you'll need to set aside each month.

How long can I invest?

This is dependant on your return expectations, time horizon, how much risk you're willing to take and how accessible your money needs to be. So, whether your goals are short term, long term or both, a balanced approach is critical when considering low risk conservative investments versus higher risk aggressive investments. 

How diversified do I need to be?

Stocks are not for everyone. You can build a solid financial plan using only guaranteed, safe investments.  Additionally, dollar cost averaging strategies reduce market risk by automatically investing a set amount of money at regular intervals.

How hands on will I be?

This will depend on your level of comfort. Do yourself a favour and learn. Educated investors earn higher returns. Commit to learning first and you'll become better at investing.

How much am I paying?

You can't control what the market will do from day to day, but by understanding management fees, MERs  (Management Expense Ratio) and TER (Total Expense Ratio), you can keep control of your investing costs. Keeping those costs down is one of the secrets to building wealth over the long run.

Lets get together

As experts in insurance, investments, retirement, estate planning & tax strategies, we have answers to all the questions you ask ...and even the ones you don't. 

After all, you work hard for your money, we should too. 

Contact us today to make an appointment!

 

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