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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 continue to enhance our skills in the industry, taking advantage of new opportunities in the investment, insurance and banking industry We employ our financial & estate planning experience to help people maximize their experience with us. Being passionate about our business has rewarded us with many successful clientele.

Investment Philosophy

We believe in conducting business ethically and striving to do the right thing is vital to the success of our company and our clients.  We think that conservation of capital and educating our clients is the first step in building your wealth. We talk to YOU about strategies that meet YOUR goals, these could be a combination of stock, Exchange Traded Funds (ETF’s) mutual funds or alternative approaches that YOU are comfortable with.

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 Philosophy

Balancing lifestyle & finance means that in addition to understanding the complexities of cashflow, we understand the importance of insurance.  We present insurance strategies designed to protect you in every stage of your life, from the protection stage to the wealth transfer stage with cost effective ideas you can be comfortable with.

Call 1-807-684-1900