Estate Planning

What I do as your Certified Financial Planner professional. . .

1) Being honest with you, appreciating and valuing you.

2) Caring more about you and your money more than anyone who does not share your surname.

3) Being someone whom you can trust and get advice from for all your financial matters.

4) Working with you to alleviate worries that keep you awake at night.

5) Coaching you to do the things that will help accomplish your goals.

6) Acting as a wise sounding/discussion board for ideas you are considering.

7) Educate you on retirement issues.

8) Educate you on estate planning issues and ideas to consider for simplifying your estate.

9) Identify your saving shortfalls.

10) Develop and monitor a strategy for debt reduction.

11) Educate you on educational savings programs for your kids or grandkids.

12) Help with ideas on how to create more enjoyment, fun and less stress in your retirement thru lifestyle planning.

13) Keeping you on track.

14) Over 30 years of financial planning experience and knowledge at your disposal


Some details for . . .

Financial Planning

15) Ask questions in order to understand your needs and objectives.

16) Help you determine where you are at presently.

17) Guide you to think about areas of your financial life you may not have considered.

18) Help organize your financial situation.

19) Help you determine and prioritize realistic goals.

20) Study possible alternatives that could meet your goals.

21) Prepare a financial plan for you and your family.

22) Make specific recommendations to help you meet your goals.

23) Implement those recommendations.

24) Suggest creative alternatives that you may not have considered.

25) Review and recommend life insurance, critical illness, disability etc. policies to protect your family.

26) Assist you in setting up a company retirement plan and/or reviewing existing company pension plans.

27) Assist you in setting up an Individual Pension plan.

28) Assist in preparing an estate plan for you, including thoughts for your will, power of attorney, personal health directive, tax on your estate, bypassing probate, creditor protection and other topics.

29) Review your children’s custodial accounts.

30) Help you determine your RIF required minimum distribution, and more importantly, help determine the best way to minimize taxes from various retirement income streams.

31) Help you plan for the transition of your business.

32) Liaise with other professionals such as Accountants, Actuaries, Tax lawyers etc., as needed.

33) Persuade you to do the things you know you ought to do, even if you don’t feel like doing them.



34) Prepare an asset allocation to help you achieve the best rate of return for a given level of risk tolerance.

35) Perform due diligence on money managers in order to make appropriate recommendations.

36) Stay up to date on changes in the investment world.

37) Monitor your investments.

38) Review your existing annuities.

39) Review your investments in your company Group RRSP and other pension plans.

40) Review and revise portfolios as conditions change.

41) Guide you through difficult periods in the economy and markets by sharing an historical perspective/outlook.

42) Do my best to improve your investment performance, thru choosing top notch money managers, taxes and so on..

43) Look “inside” your various investments to compare how many of their holdings may duplicate each other.

44) Convert your investments to retirement and/or lifetime income.

45) Help you evaluate the differences in risk levels between various investments, different strategies and asset classes, etc. in Canada and around the world.

46) Determine the risk level of your existing portfolio.

47) Help you consolidate and simplify your investments.

48) Show you how to access your statements and other information online.



49) Suggest alternatives to lower your taxes during retirement.

50) Review your tax returns for possible savings in the future.

51) Review your situation in order to implement Trusts as needed.

52) Stay up to date on tax law changes.

53) Help you reduce your taxes.

54) Reposition investments to take full advantage of tax law provisions.

55) Work with your tax and legal advisors to help you meet your financial goals.


Person to person

56) Monitor changes in your life and family situation.

57) Being only a telephone call away to answer financial questions for you as your life evolves. Meet as often as YOU wish.

58) Serve as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio, annuitant and so on.

59) Provide excellent service at all times.

60) Provide referrals to other professionals, such as accountants, mortgage brokers and attorneys.

61) Provide you with a chart showing the monthly income from all of your investments.

62) Suggest alternatives to increase your income during retirement.

63) Listen and provide feedback in a way that a magazine or newsletter writer does not.

64) Use the experience of dozens of my clients who have faced circumstances similar to yours to help guide you.

65) Help educate your children and grandchildren about investments and financial concepts.

66) Help with the continuity of your family’s financial plan through generations.

67) Facilitate the transfer of investments from individual names to trusts or from an owner through to beneficiaries.


And last but not least. . .

68) Handle a LOT of paperwork for you.