Your Wealth Advisor - Canada
Wealth Management, GIC's, Pension Annuities, Worry Free Investments, Suitable & Appropriate Solutions For You
Online Services
Easy, convenient and fast online service - specifically designed to meet your needs.
Relax in the comfort of your home, office, or even the cottage, boat or hotel away from everyday distractions.
With online access you get what you want, when and where you want it.
Safe, Suitable & Appropriate Solutions.
Financial Planning Services
Our practice and everything related to it is structured to accomplish a single goal: to Simplify your life.
If you want a one-time or periodic consultation, we will be happy to meet with you on an as-needed, hourly basis. Many people looking after their own financial affairs have important questions from time to time and many others just want a second opinion about their progress. If you are seeking comprehensive or modular services we would be pleased to meet with you to discuss what might be appropriate for your unique circumstances.
Based on the needs of the client and the extent of the engagement we will propose an engagement agreement with a fixed price for your approval. The scope of work, cost, terms, confidentiality agreement and confirmation of our fiduciary duty are all included.
Service is available in the F.P.S.C. Six Step configuration, modular or Second Opinion formats. A comprehensive engagement using the F.P.S.C. Six Step configuration includes the following:
- Streamlined data gathering process.
- Comprehensive analysis and problem identification.
- Goal prioritizing and funding solutions.
- Cash Flow, expense and tax analysis.
- Investment allocation recommendations.
- A realistic process for attaining your life goals.
- A methodology that leads to implementation
- Investment Policy Statements to guide you.
- Risk management solutions to protect you.
- Recommendations tailored to your unique circumstances.
- Easy to follow implementation guidelines.
- Action plan checklist to help you stay on track.
A modular engagement could include one or more of the following areas of focus:
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Personal Advanced Financial Planning » the blueprint for achieving your goals.
Financial Statements » Cash Flow, Net Worth, Income & Balance sheets. -
Retirement Planning » defining your goals & objectives and making it happen.
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Wealth Enhancement Techniques » maximizing risk-adjusted returns.
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Investment Policy Statement » guiding you and reducing common investment errors.
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Risk Management Strategies » protecting your lifestyle and your assets.
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Efficient Portfolio Design » minimizing risk for any given level of return.
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Performance Benchmarking » risk adjusted investment performance evaluation.
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Inflation Indexed Income Solutions » protecting your purchasing power from inflation.
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Pension Plan (DC or DB) & Annuity Alternatives » delivering reliable income replacement.Due Diligence on GMWB & other Financial Products » Are these products really appropriate for your circumstances.
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Will & Executor Planning: organizing your personal & financial affairs.
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Advanced Tax & Estate Planning for Individuals & Business owners » avoiding unnecessary taxes and transferring assets.
In short, we ascertain your available alternatives and then help you explore the options that most appeal to you. Our fees for planning are based on the time required to provide the service. Every situation is unique, a fixed price proposal can be provided after our initial consultation (see: Our Process).
Clients typically implement the wealth management plan using their existing bank/brokerage, legal and accounting relationships. Regardless of the format of your current arrangements we can work with you to make improvements and modifications.
If insurance products are required Composite Finance Inc. is an independent, Life Insurance Corporate Agent. We observe a routine of full disclosure so that suitability and transparency underlie any prospective insurance transaction.
