For Investment
Different investors have different investment needs and objectives. I recognize that while you want to grow your investments, you may not have the time or perhaps the expertise to do it on your own.
I can offer you an holistic approach to wealth, which means:
- I will Analyze your present status and complete a VFG Financial Needs Analysis.
- I will Identify your needs, goals and objectives: I will listen to you to understand your unique situation.
- I will Educate you on how money works – e.g. pay yourself first.
- I will Make a suitable recommendation based on your needs: After a thorough understanding of your goals, I will develop a personalized strategy taking into account your age, time horizon, risk comfort level, and investment suitability.
- I will Implement a mutually agreeable solution. This means that we will present our strategy to you, and together we will construct and implement your investment portfolio.
- I will Provide you with continuous management and learning for the long-term: In other words, once implemented, your investment portfolio will be monitored regularly and adjustments (if needed) will be communicated to you and authorized by you to ensure that you are on track and on schedule to meet your goals.
- I will Complete an application with you and submit to the insurance company for approval: I will also follow up to make sure the implementation goes smoothly.
Investment planning provides a framework for determining how to allocate, prioritize, finance, oversee, and consistently assess your investments in pursuit of your financial goals and objectives.
Depending on their long-term, medium-term, or short-term objectives, as well as their distinctive investment styles, different investors may adopt either an active or passive management approach for their portfolios or some appropriate combination of the two.
We can assist you in crafting a tailored investment plan that aligns with your specific needs and aspirations.
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Volatility and risk, distinct yet interconnected, play crucial roles in shaping the outcome of your investment strategy.
Volatility, the degree of market fluctuation, represents how prices rise or fall over any period, stemming from market-induced fear. It can impact all investments, including good quality equity funds. On the other hand, risk pertains to the level of loss or gain you are prepared to endure. The volatility in your investments often reflects the amount of risk you are willing to take on. In times of market volatility, maintaining focus on your asset allocation goals aligned with your predetermined risk profile is crucial.
Volatility, is a short-term instability It why it is important to consider your risk tolerance when navigating periods of market turbulence.
You will spend many years working. One day you will need to retire with a good income generated from your accumulated investments. Retirement planning is never finished. You will need to manage your investments carefully to maximize their return through life’s various stages as you move closer to, and during, retirement.
Through good markets and volatile markets, we help individuals, families, and business owners with their investment goals, providing the right solutions. We realize one program doesn’t fit all investor needs, so we will take into consideration your changing goals—for example, if you have other short-term needs, we will help you tailor an investment plan to suit your specific goals.
We can help you to re-evaluate your investment strategy and advise you as we develop a balanced plan that is best suited to your overall investment needs. Retirement planning must ensure the best use of capital with minimization of tax during the investment growth stages, as well as during the period when you will depend on your investments to create wealth as it transfers to income.
An annuity is a simple retirement option you can use to create income. In exchange for a sum of money, you receive income payments made up of interest and principal that are determined by your age (and in certain cases, your spouse’s age), current interest rates, the length of time the payments are guaranteed for and the amount of money used to purchase the annuity.
Annuities can offer the highest guaranteed income amount possible from an investment at the time of planning. They are an exceptional choice for an investor who wants to help cover essential expenses in retirement, prefers a guaranteed income stream, is concerned about outliving his or her savings, wants to reduce tax on investment income or subsidize early retirement income. It is also useful where an investor wants to fund a child’s ongoing educational costs.
Contact us to discuss Annuity options available that may suit your overall investment planning.
An Individual Pension Plans (IPP) is a vehicle for retirement and estate planning for the right person (business owners over 40 or incorporated professionals earning around $100,000 or more). It is a defined benefit pension plan which provides greater tax deferred contributions than those available through a Registered Retirement Savings Plan (RRSP).
Contact me to discuss the potential for a IPP for your needs.