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Frequently Asked Questions

What services do you offer?

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We mostly manage investments but not without considering the bigger picture. For some people that means looking at what you have coming in and what you have going out - then seeing if we can help. The taxman wants his fair share. We make sure he doesn’t get a penny more than he’s entitled to. We also look at your estate plan to ensure that your money goes where you intend after you’re gone, keeping things simple for your heirs.

How do you charge for your services?

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We usually charge a fee based on the money we handle for you. Our fees are straightforward and transparent. There are no extra fees or hidden costs because it's your hard-earned money.

How do you work with clients remotely?

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Times have changed and many clients prefer to meet remotely. We can do everything for your account online or by phone, so you don’t have to come to our office. But if you want to meet in person, that’s okay too.

How do you create a financial plan?

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Financial planning doesn’t have to be complicated. We gather information and crunch the numbers to answer questions like:

- How much should I be saving/ spending?
- Do I have enough money to retire?
- When should I take my CPP?
- Where is the money coming from in retirement?
- Do I ever have to sell or downsize my house?

Plans change and so should your financial plan. We work with you to keep your plan up-to-date at regularly scheduled meetings.

How do you select investments for your clients?

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We have been doing this for over 30 years. Over that time, we have developed some simple rules to guide our investment selection process:

1. To quote the Wealthy Barber “Beating the stock market is the ultimate triumph of hope over math.” We harness the power of the markets rather than trying to pick to individual stocks or bonds. (Hyperlink to video)
2. Diversification is one of the only free lunches available to investors. Our typical client holds over 10,000 securities.
3. “Be fearful when others are greedy and greedy, when others are fearful.” Warren Buffett. This is as close as we come to market timing.  Timing the market costs you money:

4. Investments are a lot like soap, the more you handle them the smaller they get.
5. Costs matter - We minimize the number of people between you and your money.

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