Investment Consulting Process

Home Investment Consulting Process

Step 1

Getting to Know You

OBJECTIVES

  • Prior investment experience.
  • Prior investment experience.
  • Family goal clarification.
  • Family goal prioritization.
  • Understand family dynamics

PROCESS

  • Assess your financial & non-financial needs.
  • Assess your financial & non-financial needs.
  • Clarify goals, constraints, risk tolerance and assumptions.
  • Establish level of service required.
  • Collect detailed personal data.

RESULTS

  • Create letter of engagement.
  • Create letter of engagement.
  • Build detailed knowledge of your family situation.

Step 2

Big Picture

OBJECTIVES

  • Cash Flow Optimization ion & Integration of Your Financial issues & Resources.

PROCESS

  • Cash flow forecasting and “what if’ analysis.
  • Cash flow vs income.
  • Integration of investments worth overall personal finances.
  • Investment strategy.
  • Regular monitoring of portfolio.

RESULTS

  • Cohesive, multi-layered financial plan where opportunities are maximized across your entire personal financial spectrum.

Step 3

Financial Understanding

OBJECTIVES

  • Liquidity Reserves Calculation.
  • Constraints Assessment.
  • Tax Analysis & Minimization.
  • Volatility Profiling.

PROCESS

  • After-tax optimization of the plan.
  • Tax efficient portfolio.
  • Account by account tax planning.
  • Downside risk review.

RESULTS

  • Development of a written Investment Policy Statement and serving as the infrastructure to your professional investment program.

Step 4

Implementing Your Investment Strategy

OBJECTIVES

  • Private vs. Public.
  • Equity vs. Fixed.
  • Industry sector diversification.
  • Global vs. Canadian.
  • Large Cap vs. Small Cap.
  • Investment Search & Selection.

PROCESS

  • Determine appropriate types of investments for you.
  • Evaluate current investments against up to ten criteria.
  • Assessment of rebalancing requirements (short-term and long-term).
  • Implementation of a new product or money manager search.

RESULTS

  • Action plan to move to a desired Investment Policy benchmark over an agreed upon period of time.
  • Multi-manager specialists or products selected for specific portfolio mandates.

Step 5

Keeping You Informed

OBJECTIVES

  • Pro-active Monitoring.
  • Regular Meetings.
  • Analysis & Communication.

PROCESS

  • Ongoing measuring and monitoring of financial solutions for continued effectiveness.
  • Constant behind the scenes money manager or product due diligence on your behalf.
  • Regular investment statements.
  • Internet access to view investment accounts online.

RESULTS

  • Regular personalized reporting of results.
  • Pro-active personal contact and communication on results, value, progress and new opportunities. Our contact with you will be when and how you prefer.

Step 6

Keeping You On Track

OBJECTIVES

  • Pro-active Review & Update on Progress Towards Goals.

PROCESS

  • Complete annual review and analysis of all program aspects and personal finances in general for continued applicability and effectiveness of strategies and products.
  • Identify new opportunities and future threats.

RESULTS

  • Manage strategies & products and revise as necessary to keep you on track towards goals.

Achieve Objectives

FINANCIAL PEACE OF MIND

Key Characteristics of the Service

  • A comprehensive, organized professional program for all of your investments.
  • Disciplined investment program that is simple to implement.
  • Tailor made for your changing needs.
  • Value priced.
  • Risk managed.
  • Tax effective.
  • Pro-active ongoing regular communication & services.