Investment Advisor in Toronto

We believe perfect planning is better than perfect products

We don't believe in silver bullet financial products. We believe most investments have a place and can be effective in providing profits. However, as history has shown, no one has a monopoly on what the market will do in the future. The best way to predict the future is to plan "perfectly" by investing objectively with a goal.

We believe you must invest in the markets as they are, not as you wish them to be

You've probably heard the cliché "time in the market is better than timing the market". This is true and supposes that you have accepted and expect that to get some return you will have to accept some risk and volatility...over time. The risk and the returns will change from time to time but will always be there. Our jobs as investment advisors is to objectively understand the market as it is and seek to find opportunities whilst reducing your exposure to risk. This includes helping you manage your emotions so as not to derail your long term plan.

We believe 90% of your returns depend on asset allocation and your behavior

Most of what we do is organize your portfolio to be diversified, tax-efficient and low-cost across asset classes, strategies, geographic areas, and risk factors. By focusing on allocation, our investment methodology seeks to get the most out of your financial resources. We understand that you can beat the market in the short term but over the long term, preservation of assets to meet your stated financial and personal goals is what's most important to us. Asset allocation will help attain this investment goal.

We believe in simplicity and clear investment strategies to maximize returns

Most people shy away from investing and the markets even though they know it's a great wealth builder. Part of the problem is the information overload and the complexity so often brought on by financial news media. We opt for a simple and clear process to portfolio management. Simplicity doesn't mean basic or thoughtless. Most people don't open their investment statements because they don't understand what's going on and in most cases don't want to. But simple does not mean easy or thoughtless. Our approach just requires more deliberate communication and planning so that you the investor feel engaged and satisfied.

We believe the financial markets generally are efficient over the long term

In the end your goals should drive your investment planning. As such, long-term returns are the most important measure in making sure your money is working. Undoubtedly, there will be short to medium term considerations as far as your financial goals are concerned, which is why we always adjust and rebalance appropriately. Is rebalancing an important part of your current portfolio?