Active Investment Management
YOUR FRIENDLY NEIGHBOURHOOD CHARTERED INVESTMENT MANAGER
Comprehensive Financial Plans/Projection
There is nothing better than having a Comprehensive Financial Plan/Projection in your possession to create some fixed goals and thoughts to hold on to when it comes to your personal financial situation. It gives us a structure to plan around, to gauge our progress against, and gives us goals to implant in our minds to focus on.
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​​It does not, however, predict the future....and the future always throws us curve balls every once in a while.
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I am trained in utilizing Data analytical software that give my clients the most accurate projection of their future financial positions with their present data while suggesting actions that can steer them towards their financial goals.
​​​My services below enables me help my clients through the cure ball events and stay on track.
Diversified portfolio's that are sensitive to fees
Stocks
Bonds
Cash
Mutual Funds
ETF's Exchange Traded Funds
One of the fundamental principles of portfolio management is diversification. This involves holding stocks across various sectors and investing in ETFs to gain broad exposure to specific areas, such as Emerging Markets. Additionally, incorporating actively managed traditional mutual funds can be beneficial, as there are many skilled managers available. It is also advisable to allocate a substantial portion of your portfolio to income-yielding large-cap dividend investments, while maintaining some exposure to higher-risk opportunities for potential rewards. Furthermore, retaining a portion of your portfolio in cash is prudent, allowing you to capitalize on market corrections. Ultimately, it is essential to avoid concentrating your investments in a single asset or sector.
Insurance and Estate Planning
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Intergenerational Wealth Transfer
Whole Life Insurance
Term Life Insurance
Critical Illness and Long Term Disability
Choosing the right type of life insurance can serve as a valuable tool for protecting your family and estate from unforeseen life events while also creating intergenerational wealth. Given the inevitability of passing on, long-term planning allows you to leverage this event to benefit the next generation financially. Moreover, if purchased early, life insurance can be cashed out and utilized during retirement. With a wide array of insurance products available, we can identify the optimal solution at the best price to suit anyone’s needs.
Active Investment Management - Re-Balancing
"You are paying advisory fees or MER fees continuously___ Are you getting continuous active monitoring and re-balancing in return?"
After 15 years of investing and analyzing markets day in and day out I realized the key to success was taught to me in the 1st week I started, "Identify your asset allocation and then regularly re-balance back to it."
In these highly volatile markets re-balancing should be done every 2-6 months if you are paying fees to an advisor and are not in a mutual fund portfolio from the bank. Mutual funds are thoroughly diversified investment products and so have much less volatility than individual stocks and some ETF's and so require less re-balancing because there is less movement over-all. I prefer to use a diversified portfolio of stocks, ETF's, and funds and then actively re-balance regularily. When a position has moved up and increased it's size in the portfolio, take profits and the same for a position that has dropped, take advantage of the sale and buy more and get it back to your original asset allocation.
Ready to take control of your financial future, Click the link below to access our Comprehensive Financial Planning Services Page.