Introductory Note:

My approach in this area is to offer brief comment on each category and provide you with 'links' to Web sites covering aspects of each item in considerable depth.
My training and experience has enabled me to be very familiar with the topics of any site you visit. Through our working together in a personal professional manner we will achieve a financial plan suitable to your individual circumstances and objectives.

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Fundamentals,  Ethics,  Retirement,  Investment,  Tax,  Estate,  Insurance

The Fundamentals:

- Require a detailed assessment of personal life situations from financial and related non-financial circumstances.
- Include Asset, Liability and Cash Flow analysis in relation to personal responsibilities toward oneself and others.
- Seek to determine how careful financial consideration may contribute to fulfillment of a person's goals, aspirations and obligations.
For more on the Fundamentals, select Financial Planning in General from:

Regulatory Codes of Ethics:

In addition to being subject to the rules and regulations of the governing authorities for my profession, The Investment Dealers Association, The Financial Planners Standards Council and The Financial Services Commission of Ontario, I adhere to the codes of ethics related to each of my professional designations.
For access to these codes, select Financial Planning in General from:

Retirement Planning

Predicting the future is an impossible task and is not the function of Retirement Planning.
The Retirement Plan is based on a number of variables and assumptions such as: investment returns, income growth, life style expenditures, saving ability, inflation and tax rates. Each estimate must be continually monitored and kept up to date as life progresses.
To begin, a realistic objective for annual income and expenses to maintain a desired life in retirement is made.
The next step is to estimate the funding required to meet the retirement objective.
Thirdly is an assessment of how well the growth of current assets, savings, income (together with allowance for significant outlays and income receipts along the way) are likely to attain the retirement objective.
Finally, what adjustments can be made to achieve a realistic and satisfactory retirement financial experience.
For more on Retirement Planning, select: Retirement Planning from:

Investment Planning

Once having determined the rate of return necessary to achieve the Retirement Objective, or to maintain the Retirement Standard the challenge is to construct and manage an investment portfolio which renders this requirement.
In achieving the return, constant adherence within the investor's risk boundaries must be maintained at all times. Also, the risk level required for the required return should not be exceeded, even though such may be within the investor's risk boundary, without prudent consideration.
While there is a multitude of securities and investment vehicles to choose from, the specific role of each selection must be clearly apparent and the collective functions of each should result in a reliable attainment of the portfolio's return objective.
For more on Investments, select: Investment Planning from:

Tax Planning

Tax planning strategies vary with individual and family circumstances.
While investment and other financial decisions should not be driven solely by tax considerations, the tax implication affecting each alternative should always be considered.
The strategic approach ensures available tax credits are fully accessed as they apply, investments yielding tax advantaged income are assessed in respect to relative risk, liquidity and deferral implications. Mechanisms such as gifting, asset freezes, trust , corporate, insurance and other structures for income splitting, sheltering or deferment should be considered in relation to benefit, cost and liability.
For more on Taxes, select: Tax Planning from:

Estate Planning

This important area is focused on two concerns, taxes and beneficiaries.
There are several important tools to use in constructing a proper and effective Estate Plan. The primary instrument is the Will itself. Others include inter vivos trusts and testamentary trusts, the construction of the several final income tax returns- possibly four, Charitable transfers, Insurance for tax defense and other needs, Asset freezes, Living wills, Powers of attorney, Joint accounts etc.
Attention must be paid to Estate planning well in advance of the terminal years especially in regard to the Insurance and Will aspects. Difficult as it is to contemplate, it is true that any one can die at any time. For more on Estates, select: Estate Planning from:

Risk Management, Insurance Planning

There are many aspects and policy variations which must be tailored to individual needs. In broad terms, the function of Life Insurance is:

During life to: Provide enhanced Retirement Income and to ' Fund a Life ' when compromised by the risks of living such as disability and critical illness.

After life to: Pay benefit tax free to furnish liquidity for family and business needs and, to offset tax on deemed income of entire registered plans and capital gains on demise of surviving spouse.

From then on to: Assure a viable estate for survivor funding of life style and major expenses, and or, leave a legacy through charitable giving.

Life Insurance is Not only Death Insurance.

The Tax Exempt Features of Universal Life Insurance allow Unhindered Compounding. This not only pays for protection of family and business obligations after life. It also provides remarkable retirement funding; and, can provide a shield against the financial threat of disability or critical illness, not to mention creditor protection too. For more on Insurance, select: Risk Management from: