Paul Bar:

(905)709-4914
Lori Coverdale:

(416)898-1578
Ross O’Doherty:

(647)298-6760

1. Our relationship with our clients starts with the development of a comprehensive or segmented plan to achieve their financial goals. As part of a comprehensive plan, we cover cash flow, net worth, investment, insurance, tax, retirement and estate planning aspects of each client’s situation.

2. We strive to serve as our client's chief financial planner. As part of this role, we often coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, we also tap into our own network of professional advisors.

3. Our investment philosophy is essentially conservative in nature. Operating within each client’s risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk - as a result, our clients can sleep soundly at night.

4. Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, prudent use of leverage and family trusts are evaluated.

5. Every  6 months, all clients receive a summary of their portfolio's. The information is presented as clearly as possible; in addition, the format of the report is reviewed with all new clients at the onset of each relationship, to minimize confusion or misunderstanding about how to read their statements. All clients can access their statement of holdings 24 hours a day every day via the internet.

6. Each client’s account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, investment plans are reviewed at least annually and recommendations are made for appropriate adjustments.

7. We make ourselves as accessible as possible to our clients. All telephone calls are usually returned within 24 to 48 hours, either personally or by our assistant.

8. We believe that our best client is the one who is fully informed. As a result, we have a strong commitment to client communication through newsletters.