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Our Beliefs

Our Clients

We provide Advice to Professionals, Small Business Owners and People in Transition. Our fastest growing group of new clients are Women in Transition. Michele has developed an expertise in working with them. What do we mean by transition? Examples start with Retirement, Job loss, Marriage and Divorce, Children, Home Ownership, Education, A Health Crisis or Loss of a Spouse and Planning your Estate 

How do we get paid?

We are compensated through fees based on our assets under administration. We receive no commissions or transaction fees for assets under administration. so our interests are aligned with client interests. These fees allow us to provide valuable financial planning solutions to our clients on a complimentary basis.  

Insurance risk products  are compensated by commissions 



Financial and Estate Planning

We employ our financial planning to help people maximize their cash flow and minimize their taxes on a day to day basis. Estate planning has 2 elements, your Powers of Attormey for finance and for health and your Will. We help people minimize their estate taxes and insure that their estate will be distributed the way they want.  Being passionate about our business has rewarded us with many successful clientele. We continue to enhance our skills in the industry, taking advantage of new opportunities in the investment, insurance and banking industry


Investment Philosophy

We feel strongly that Conservation of Capital is important as you accumulate wealth. Conservation of Capital does not mean that portfolios will not fluctuate in value as a normal course of market performance. It does mean that your concerns and our concerns are aligned. We believe that an educated client is in the best position to make smart financial decisions and encourage questions. We talk to YOU about strategies that meet YOUR goals.  Investment strategies may include mutual funds, ETFs, (Exchange Traded Funds) and appropriate alternative investments that YOU are comfortable with. We believe in conducting business ethically and that doing the right thing is vital to the success of both our company and our clients.


Cash Flow Planning

“I can’t be overdrawn; I still have cheques left!” This is not a statement we are comfortable with.  Our comprehensive Cash Flow Planning programme helps you maximize little known savings opportunities affecting your cash flow, meeting your goals and getting out of debt years ahead of your current plan.  “Get more LIFE out of the money you already have.”


Insurance

Balancing lifestyle & finance means that in addition to understanding the complexities of cashflow, we understand the importance of insurance.  We offer cost effective insurance strategies designed to protect you in every stage of your life, from protection to wealth transfer. We are not company specific and will shop the market for the most cost effective solution that you are comfortable with.

Call 1-807-684-1900