How do I know what to invest in?
Your investment decisions should be driven by your values, preferences, and specific circumstances.  The basic principle of receiving more return in exchange for taking on more risk with your investments applies to a certain extent, but your overall asset allocation must be comfortable to you, and it must be appropriate to your personal situation.  Your exposure to these risks can be reduced with an efficient investment portfolio and proper diversification.  Of course, your risk tolerance level, investment time frame, and present and future financial circumstances (i.e. pension, professional corporation) still figure prominently in the analysis.

What are my options?
We focus on managing the volatility or risk associated with your overall investment portfolio.  We employ a disciplined strategy with a long term perspective, always keeping your specific situation in mind.  We help you to sift through the multitude of investment options available to build a well-diversified portfolio that fits well with your risk preferences and return expectations.  Some of the investments that we will consider for you are as follows:

• Mutual funds - a professionally managed portfolio of traditional fixed income (bonds) and equity (stock) instruments
• Discretionary management services
• GICs (guaranteed income certificates)
• Alternative investments such as real estate, hedge funds, and managed futures

But I already have an investment portfolio....
We'll help to look at your existing investment portfolio and strategy, providing education and guidance as necessary, and to ensure that your investments focus on what is important to you.  Any unique tax, business, or estate planning considerations also need to be taken into account when reviewing or restructuring your investment portfolio.

Our independence allows us to maintain constant objectivity, employing and monitoring experts that are equipped with all of the necessary tools and resources to make the day-to-day detailed investment decisions for us.

Although most of our clients choose to have us manage their investments for them, we are always happy to provide an unbiased second opinion.  If your current portfolio is appropriate for you, we will let you know and will focus our efforts on other parts of your financial plan, such as retirement and estate planning.  Contact us to discuss your options.