Financial Planning and Investment Management

 

We offer a broad range of services to meet virtually all of your wealth management needs through every stage of your life and career.  

 

We will function as your personal Financial Office, assisting you with the organization and optimization of your personal financial matters ranging from financial planning, investment management, insurance referrals, legacy/estate planning, accounting consultation if required, and client concierge services to facilitate completion of necessary documentation and any other required assistance.  

 

Our goal is to make your wealth management easier for you.

 

 

Our Services

 

We offer three different service options to accommodate the various needs of our clients.

Personal Wealth Plan 
One-time, fixed-fee service
 
For physicians who want a financial plan and feel confident about managing their own finances & investments.
 

 

Discovery meeting
Personal Finance Analysis 
Personal Wealth Plan
Personal Finance System
Estate and Legacy Planning

 

+ access to Insurance services


Book a meeting
Personal Wealth Plan with Ongoing Support
Fixed-fee service*
 
For physicians who prefer to manage their own finances and investments but wish to have access to professional advice and support when needed.
 
*30% discount for
Residents and Newly Practicing Physicians
 

 

Discovery meeting
Personal Finance Analysis 
Personal  Wealth Plan
Personal Finance System
Estate and Legacy Planning
Quarterly Meetings
On-call support as needed 
 
+ access to Insurance services
 
Book a meeting
Comprehensive Wealth Management
Fee-based (Fixed Maximum) 
 
For physicians who want full financial planning and investment management services with unlimited support and collaboration with their financial team (accountants/lawyers).
 
 
 
 

 

Discovery Meeting
Personal Finance Analysis 
Personal Finance System
Personal Wealth Plan
Investment Management
Cumulative Financial Profile
Estate and Legacy Planning
Insurance Services
Quarterly & Annual Meetings
Unlimited Support and Assistance

Book a meeting

 

 

Financial Planning Services

 

Personal Wealth Plan

We provide all our clients with a comprehensive financial plan which includes actionable recommendations and ongoing support.  Our team works responsively with our clients to build an individualized Personal Wealth Plan which will help you define where you are today, set the foundation for your financial future and act as a roadmap to follow as you pursue your financial goals.

 

Your Personal Wealth Plan may include any of the following*:

  • Debt Management
  • Goal Setting
  • Budgeting & Cash Flow Management 
  • Retirement Planning
  • Education Funding
  • Tax Planning
  • Insurance
  • Incorporation
  • Individual Pension Plan (IPP)
  • Benefits Planning
  • Real Estate Planning
  • Strategic management and access of registered, non-registered, and corporate investments
  • Charitable Giving
  • Estate Planning
  • Succession planning

 

*Depending on personal need and circumstances

 

 

Personal Finance Management System

We have found that many physicians are happy to have assistance in setting up a system that will help them organize themselves financially.  In addition to providing a structured approach to finances, it also includes strategies to ensure you maximize your wealth building potential.

 

Financial Literacy

We believe most physicians have the capacity to achieve Meaningful Wealth relatively quickly with the right strategies in place. However, earning a good income does not equate to being wealthy.  Learning how to manage your earnings, spending and savings is critical to achieving financial independence.

 

Meaningful Wealth: The point at which you work because you want to, not because you have to.  In other words, the point at which your assets can generate sufficient income to support your lifestyle on an ongoing basis.

 

Unfortunately, most medical programs do not provide significant exposure to the fundamentals of business or finances within their curriculums leaving many physicians without the knowledge and skills required to maximize their wealth building potential.  

 

Beyond medical school and residency, newly practicing physicians become busy with the realities of practicing medicine and running a practice and often don’t have the time or interest to delve into the web of literature that exists to inform themselves about managing finances effectively and efficiently.  

 

Based on our physician-focused surveys and further informed by our experience servicing physicians, we have developed resources focused on what physicians care about and need most to help them learn core principles and knowledge that will help set the foundation for a financially successful future.

 

Knowledge drives action and action drives results.  We are committed to helping physicians learn more about finances, successful wealth accumulation, and financial independence.  As such we offer presentations, information series, our blog, and our upcoming Quick Reference Guide to help physicians at all stages of life and career learn more about setting themselves up for financial success.

 

Learn more about our resources or to set up an information series/presentation

Contact Us Here

 

 

Private Investment Management

We pride ourselves on being a fully licensed investment broker within a firm that does not sell proprietary products or investments.  This allows us to act as a true fiduciary.  This means we are able to provide you with an unbiased investment portfolio inclusive of a range of investment options* that serves your needs at a low and transparent cost.

 

Discretionary Portfolio Management

Discretionary portfolio management offers you the benefit of delegating day-to-day investment decisions to a qualified portfolio manager.  This affords you professional expertise and peace of mind so that you can devote your time to the other priorities in your life such as work, family, and personal interests.  Clients who benefit most from discretionary portfolio management are typically those who are either too busy, don’t have the desire to manage their own investments, or prefer to spend their time doing other things.

 

As a Chartered Investment Manager (CIM) and Portfolio Manager,  Sebastien has the necessary skills and expertise to construct and manage discretionary portfolios.  The Portfolio Manager designation requires that an Advisor has attained the highest professional standards of training and experience in the wealth management field.

                

Using information from the discovery process and your Personal Wealth Plan, we will select an investment strategy/mandate that suits your needs and goals.  This will be summarized in the form of an Investment Policy Statement (IPS) which includes your investment objectives and goals, investment guidelines (ie time horizon and risk tolerance), asset allocation and any applicable restrictions.  The IPS directs all investment decisions and the responsibilities of advisor and client.

 

We will discuss your financial needs and Portfolio with you at your quarterly Personal Wealth Plan review meetings to ensure that your investment strategy continues to meet the agreed upon short and long-term investment objectives established in your Investment Policy Statement.  Our reporting to you is comprehensive, including detailed monthly statements and quarterly summaries.

 

Our core investment philosophy centres on a multi-disciplined approach using research and evidence to drive decision-making.  This allows you to pursue investment opportunities that are diversified not only across asset classes, but also by country, industry sector, market capitalization, and investment style. 

 

*We are licensed to provide access to the following investment vehicles:

  • Stocks
  • Bonds
  • ETFs
  • GICs
  • Mutual Funds
  • Preferred Shares
  • New Issues
  • Private Placements
  • Options

 

Insurance

As part of a comprehensive financial plan, Insurance is an important tool for minimizing the financial risks associated with life’s challenges that can significantly impact your financial stability.

 

Because we do not offer proprietary products, we are able to provide our clients with a comprehensive selection of the best available insurance options suited to their needs and budget.

  • Disability Insurance
  • Life Insurance
  • Critical Illness Insurance

Book a consultation

Please fill in the form below for a complimentary, no obligation second opinion on your current financial situation or for information about the personalized system we offer which organizes your financial life and ensures you are financially optimized now and in your retirement.

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