Committed to providing solutions for your future needs.

VirtualSage™ - Start Your Plan


(877) 422-6346 x 224

Wealth Creation Different investors have different investment needs and objectives. We recognize that while you want to grow your investments, you may not have the time or perhaps the expertise to do it on your own.

I can offer you a qualified approach to wealth, which means that we will:

  • Listen to you and understand your needs.
  • After a thorough understanding of your Investment Goals, we will develop a personalized strategy taking into account your age, time horizon, risk comfort level, and investment suitability.
  • We will then present our strategy to you, and together we will construct and implement your investment portfolio.
  • Once implemented, your investment portfolio will be monitored regularly and adjustments (if needed) will be communicated to you and authorized by you to ensure that you are on track and on schedule to meet your goals.
  • As an additional service we can provide full Financial Planning for all stages of your life.

Most importantly we offer you several options to monitor your investments yourself to see how we are doing. You will receive your statements on a quarterly basis as a minimum, though you can review more frequently via our Client Center.

Investment Planning

Investment planning establishes guidelines as to how you will invest your money, prioritize, fund, manage and continue to evaluate your investments while you seek to meet your goals and objectives.

Investors may use an active and/or a passive management style for a portfolio depending on long-, medium-, or short-term goals, and their individual (or unique) determined investment style.

We can help you design the right plan.

Investment Risk and Volatility

Volatility and risk are different concepts, but both have a role in determining your investment success.

Volatility is simply how much the market will increase or decrease, whereas risk is the amount of loss or gain you are willing to accept. The volatility of your investments is often a result of the level of risk you are willing to accept. During periods of market volatility, it is important to stay focused on your asset allocation goals according to your predetermined risk profile.

Volatility is simply short-term instability that can affect all investments, including good equity funds, because of fear generated in the markets.

Retirement Solutions

You will spend many years working. One day you will need to retire with a good income generated from your accumulated investments. Retirement planning is never finished. You will need to manage your investments carefully to maximize their return through life's various stages as you move closer to, and during, retirement.

Through good markets and volatile markets, we help individuals, families, and business owners with their investment goals, providing the right solutions. We realize one program doesn’t fit all investor needs, so we will take into consideration your changing goals—for example, if you have other short-term needs, we will help you tailor an investment plan to suit your specific goals.

We can help you to re-evaluate your investment strategy and advise you as we develop a balanced plan that is best suited to your overall investment needs. Retirement planning must ensure the best use of capital with minimization of tax during the investment growth stages, as well as during the period when you will depend on your investments to create wealth as it transfers to income.

Annuities

An annuity is a simple retirement option you can use to create income. In exchange for a sum of money, you receive income payments made up of interest and principal that are determined by your age (and in certain cases, your spouse's age), current interest rates, the length of time the payments are guaranteed for and the amount of money used to purchase the annuity.

Annuities can offer the highest guaranteed income amount possible from an investment at the time of planning. They are an exceptional choice for an investor who wants to help cover essential expenses in retirement, prefers a guaranteed income stream, is concerned about outliving his or her savings, wants to reduce tax on investment income or subsidize early retirement income. It is also useful where an investor wants to fund a child's ongoing educational costs.

Contact us to discuss Annuity options available that may suit your overall investment planning.

Individual Pension Plan

An Individual Pension Plans (IPP) is a vehicle for retirement and estate planning for the right person (business owners over 40 or incorporated professionals earning around $100,000 or more). It is a defined benefit pension plan which provides greater tax deferred contributions than those available through a Registered Retirement Savings Plan (RRSP).

Contact me to discuss the potential for a IPP for your needs.