Our process
How we work
together.
Four steps, at your pace. You will always know what happens next, and nothing moves ahead until you are comfortable.
The four steps
- Step 01
Conversation
We get to know you first.
Before we talk about products, we talk about you: your family, your work, what you are working toward and what keeps you up at night.
- What a good life looks like to you
- Where things stand today
- What worries you most
Helpful to bring
- Recent account statements
- Workplace pension or benefits details
- Any insurance policies you already have
- Step 02
Plan
One plan that covers the whole picture.
We look at savings, investments, insurance, taxes and your estate together, then walk you through a written plan with clear options and the trade-offs of each.
- Your goals, in order of priority
- Options, with pros and cons
- Clear next steps
- Step 03
Implement
We take care of the details.
When you are ready, we open the accounts, set up the coverage and handle the paperwork. If you have an accountant or lawyer, we work alongside them.
- Accounts and coverage set up
- Paperwork handled for you
- Coordination with your other advisors
- Step 04
Review
Your plan changes when your life does.
We check in regularly, and we are a phone call away when something changes: a new baby, a new job, a move, retirement or a loss.
- Regular check-ins
- Updates when life changes
- A real person to call
He introduced me to insurance first to help build a solid foundation and from that point forward, it was baby steps.
A quick check-up
Is your plan as complete as it could be?
Plenty of people have a good start but not a finished plan. If any of these give you pause, it may be time to talk.
- Have you had a full financial plan prepared or updated in the last five years?
- Do you know how your investments are allocated, and how much risk you are taking?
- Do you know what you are paying in fees?
- Do you know how much you will need in retirement?
- Is your family protected if something happens to you?
- Do you have an up-to-date will and power of attorney?
- Have you thought about the legacy you want to leave?
Good to know
Before your first meeting
What happens at the first meeting?
We get to know you, look at where things stand and answer your questions. Then you decide whether working together makes sense. There is no obligation.
Do I need a lot of money to work with you?
No. We work with people at every stage, including people paying down debt or just starting to save.
Where do we meet?
At our office in North York, or by phone or video if that is easier for you.
What if I already have an advisor or insurance?
That is common. We are happy to review what you have and give you a second opinion, with no pressure to change anything.
Let's talk
A legacy that outlives you starts with one conversation.
Book a relaxed, no-pressure meeting. Bring your questions. We will start by listening.