Our Process
“First and foremost – clients hire us to protect and prudently grow their portfolios. But they’re thrilled with the quality of advice, actionable financial plans and support we offer to take control of their financial lives.” — Sandor Kiss, Wealth Advisor
We strive to simplify your financial world by delegating your portfolio management; and receiving customized advice and prompt service. Our process integrates many specialized disciplines.
Once we have a portfolio manager in place to manage your investments, we begin an ongoing planning and collaboration process to support clients with advice and specialists as their financial needs evolve during their lifetime.
A comprehensive wealth plan provides clients with clarity and confidence in their financial future, resulting in peace of mind.
The saying “If you don’t know where you’re going, then any road will do” highlights the importance of a comprehensive wealth plan. Without one, you will be uncertain about important financial factors, making it impossible to make good decisions to achieve and maintain financial independence. What are some of the big questions on your mind?
How to incorporate wisdom and warnings from MoneyTalks and its guests
How much you need to save regularly to meet funding targets
How much risk you need to accept to meet portfolio objectives
How to guarantee family income in the event of adverse health events
How to minimize stress on survivors in respect of dealing with your estate
How much you need to retire or help fund post-secondary education
A thorough and well-defined process is key to providing protection for clients.
To make the process easy and enjoyable for clients, we follow an efficient, three-step approach to work together. Our goal is to create thorough, accurate and meaningful Wealth Plans without overwhelming clients with too much work and too many decisions to make progress.
1
Clarify
Clarify your Life Goals and update them over time.
Assess Fit
Determine if there is a match between client needs and our services, including alignment on values, world view and personalities.
Discovery
Review client priorities and financial objectives. We gather detailed information about your financial position including assets, liabilities, cash flow from current and future income sources, insurance, business structures and estate documents. We review your current portfolio, risk profile and liquidity needs.
2
Strategy
Find the right people, tools and strategies to help you achieve your Life Goals.
Investment Policy Statement
Our portfolio managers recommend and document a customized asset allocation and investment strategy.
Detailed Financial Plan
Collaborate to build a financial plan to achieve client objectives regarding retirement timing and cash flows; saving for major purchases and education; and legacy targets. Using best in class software we adjust and stress test your plan in real time. Tables and graphs illustrate cash flows, portfolio growth projections and much more. Risks and key actions are identified. The outcome: we set you at ease that your financial independence will be intact.
Implementation
Hire investment managers, implement risk management strategies, address business planning issues and initiate collaboration with specialists such as accountants and lawyers where required.
3
Vigilance
Stay on track to achieve your Life Goals with ongoing discussions and analysis of your situation.
Monitoring & Collaboration
Portfolio reviews are held twice/year or as needed. We provide ongoing financial advice – whether it’s small issues around deadlines or consultations due to major life changes. Planning meetings are held to update wealth plans and strategies. We provide a personal touch with frequent emails and calls plus educational content and events to keep clients informed.
1
Clarify
Clarify your Life Goals and update them over time.
Assess Fit
Determine if there is a match between client needs and our services, including alignment on values, world view and personalities.
Discovery
Review client priorities and financial objectives. We gather detailed information about your financial position including assets, liabilities, cash flow from current and future income sources, insurance, business structures and estate documents. We review your current portfolio, risk profile and liquidity needs.
2
Strategy
Find the right people, tools and strategies to help you achieve your Life Goals.
Investment Policy Statement
Our portfolio managers recommend and document a customized asset allocation and investment strategy.
Detailed Financial Plan
Collaborate to build a financial plan to achieve client objectives regarding retirement timing and cash flows; saving for major purchases and education; and legacy targets. Using best in class software we adjust and stress test your plan in real time. Tables and graphs illustrate cash flows, portfolio growth projections and much more. Risks and key actions are identified. The outcome: we set you at ease that your financial independence will be intact.
Implementation
Hire investment managers, implement risk management strategies, address business planning issues and initiate collaboration with specialists such as accountants and lawyers where required.
3
Vigilance
Stay on track to achieve your Life Goals with ongoing discussions and analysis of your situation.
Monitoring & Collaboration
Portfolio reviews are held twice/year or as needed. We provide ongoing financial advice – whether it’s small issues around deadlines or consultations due to major life changes. Planning meetings are held to update wealth plans and strategies. We provide a personal touch with frequent emails and calls including providing educational content and events to keep clients informed.
We can meet in person or via Zoom. Let’s get to know each other to see if we be of service to help you achieve your financial goals.
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