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Smart Planning. For Life.

Total financial planning advice will help simplify and meaningfully improve your quality of life. In order to do this, we need to know more than numbers. We need to know about your situation, your opportunities, your challenges, your aspirations and your financial experience. Once the foundation is laid, we'll work with you to create a financial plan that fits YOUR LIFE. It all starts with an open, friend-to-friend relationship. 

We Can Help Protect Your Portfolio From Severe Losses

Risk-Engineered Portfolios

Traditional asset allocation, whereby portfolios are constantly adjusted to produce diversification benefits as market conditions change, is in and of itself a perfectly respectable tool to managing equity risk. However, the problem is that when you enter abnormal markets, asset classes become highly correlated, meaning they move together and you don’t get the diversification benefits.

During the brutal bear market of 2008, for instance, many investors held assets that supposedly had low correlation, historically. Yet, when the markets crashed, those correlations went up sharply and all assets went down, together. For most investors, their diversified portfolios failed and large losses followed. It’s in those market environments that you really need to have done something different to manage downside risk. In 2008, we did.

Recent studies have shown that diversification only offers a limited amount of protection and is successful approximately just 65 per cent of the time. As a result, it does not protect a portfolio from drawdown during major market events and is successful primarily in normal and low-risk periods.

Our investment strategy is focused on protecting your portfolio by allowing for more flexibility in its construction. It includes both a passive and active investing approach. We are able to provide efficiency and cost savings for our clients through prudent use of passive ETFs in certain areas, but we also add substantial value by utilizing strategies that actively manage both market trends and market risk.

Our advanced risk-engineered platform protects your investment portfolio and provides you with a higher degree of certainty that you will be able to maintain your current lifestyle, bringing peace of mind and the flexibility that real life demands.

We Can Help Organize Your Financial Life

Financial Planning

We're completely dedicated to delivering total financial planning advice to you and your family by providing a holistic approach to managing all of the interconnected areas of your financial life.

Smart, forward-thinking financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances.

By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

The financial areas addressed in your planning may include some or all of the following:

    • Cash Flow Analysis and Debt Planning
    • Insurance and Risk Management
    • Investment Strategies and Management
    • Stock Options and Concentrated Stock Holdings
    • Retirement Planning
    • Tax Planning
    • Education Funding
    • Estate Planning
    • Employee Benefit Programs

As you face the inevitable changes of life, we are here to guide you as your financial confidant and advocate.

We Can Help SuperCharge Your Investments

Tax-Efficient Investing 

Tax-efficient investing is aimed at improving your after-tax return. Most investment returns are measured and presented before taxes. While this is an important starting point, this could be an incomplete picture of your true returns if you are using these investments in taxable accounts. After all, it’s not what you make, it’s what you keep.

Here are some of the ways we can supercharge your investments:

Location Optimization

This is where we place specific asset classes in accounts with unique tax traits. The simplest example is placing bonds in an IRA so that the bond interest isn’t taxable income.

Tax-Loss Harvesting

Capital losses are good forever, until you use them. They offset investment gains to lower, and sometimes eliminate, capital gains tax. For example, if you have realized gains on a securities sale, it can be worthwhile to find and harvest offsetting losses in the same tax year. We take advantage of market swings to lock in losses while keeping your money 100% invested.

Capital Gain Minimization

We sell high cost lots in order to limit the amount of capital gains you incur.

Capital Gain Distribution Avoidance

This may sound counter-intuitive, but you want to avoid capital gains distributions from mutual funds. The share price goes down by the same amount that gets distributed. So all you are getting is a taxable capital gain. This can be avoided if you move to a similar mutual fund without a capital gain distribution.

Talk with us to learn more.



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