FREQUENTLY ASKED QUESTIONS

Our firm has 25 years of experience working in the financial services industry. Our staff hold the Gold Standard in Financial Planning and Investment Management designations including Certified Financial Planner, Chartered Financial Analyst, and Chartered Investment Manager among others.  

Yes. As fiduciaries we have a legal obligation to act in the best interest of our clients. 

We also have an obligation to ensure any investment actions taken by us are consistent and suitable for you based upon our understanding of your financial objectives and circumstances. 

No - we do not offer stand-alone financial plans. 

Our firm provides comprehensive financial planning exclusively for clients whose investments we manage. Planning is not a separate or one-time service - it's an ongoing part of our wealth management relationship. 

This approach enables us to modify, adapt, and fine tune the financial plans we do provide to our existing client base on a ongoing basis. 

Our planning process is designed to be ongoing, not transactional. We update strategies throughout the year, coordinate tax and investment decisions and adjust plans as life evolves. This level of depth works best when we manage the investments that support the plan. 

Every client relationship includes all components of a comprehensive financial plan: 

• Investment strategy and portfolio management
• Retirement planning
• Tax planning and optimization
• Estate and legacy planning
• Cash flow and income planning
• Risk Management 
• Ongoing monitoring and adjustments

This holistic approach ensures all parts of your financial life work together. 

We typically work with clients who have $500,000 or more in investable assets. This allows us to deliver the level of planning, tax strategy, and portfolio management that our service model is built around. 

We charge a percentage on client assets under management (AUM), where the financial planning component is built into our overall service offering.

This aligns our incentives with yours - when you do well, we do well. 

Yes. All planning - retirement, tax, cash flow, estate, insurance, and more - is fully included as a part of our investment management service. There are no separate planning fees. 

We aim to maximize returns for a given level of risk by focusing exclusively on low cost, well diversified, tax efficient Exchange Traded Funds (ETFs). 

We work with individuals and families who value a long-term, relationship-based approach to wealth management. Our clients come from many walks of life - including widows, dentists, physicians, lawyers, engineers, divorcees, and small business owners - but they all share a common goal: they want a trusted partner to help them make smart financial decisions and manage their investments with care. 

Most of the people we serve are navigating meaningful financial transitions, building wealth, or protecting what they've already achieved. They appreciate having a dedicated team who integrates financial planning, investment management, tax strategy, risk management, and estate considerations into one cohesive service. 

Absolutely - we coordinate between you and your professional team (tax & legal advisors) to develop and execute your plan.  

We are also happy to connect clients with our existing professional network if required.  

We typically meet with clients semi-annually. These meetings are structured, proactive check-ins where we revisit your plans, strategy, portfolio, and any life changes that may affect your financial picture. 

Between these formal reviews, we're always available. 

Whether you have a question, a new opportunity, or an unexpected change, you can reach us anytime by phone or email. Our clients never wait for the next scheduled meeting to get the guidance they need. 

You can expect a no-obligation, no pressure conversation where we get to know one another. 

From there, our aim will be to better understand your current circumstances, long term objectives, and how we might be able to help. 

This meeting can take place virtually or at our Calgary office.

Our next steps typically involve signing a Letter of Engagement, gathering data and documentation, and developing a set of preliminary recommendations. 

We understand that some people prefer a flat fee or DIY approach. While that's a great fit for many, our firm specializes in integrated wealth management, where planning and investment management work together. If you're looking for a stand-alone plan, we're happy to point you toward planners who focus on that model.