Personal Financial Assessment

The personal financial assessment is a snapshot of your current financial situation. It helps me to devise a financial road map that can easily be followed and implemented to guide us towards an investment plan expected to deliver on your financial goals. My ultimate goal is to help you improve your financial situation, over time.

Here are examples of the topics we typically address during the personal financial assessment:

• Net worth calculation
• Financial goals
• Cash flow and savings
• Desired financial lifestyle
• Investment experience
• Financial fears
• Any questions or concerns that you may have

Even if you already have investments at other financial institutions, it's never too late for us to revisit your financial situation, renew your financial goals and review your investments. Most assets can easily be moved between financial institutions. This affords you the flexibility to choose where you place your investment assets and with which investment advisor you will work. These options will help you to maximize alignment between your portfolio and your financial goals.

Defined Financial Goals

Financial goals such as "retiring rich" are just dreams unless they can be transformed into defined goals with measurable targets that get reviewed on a regular basis.

Examples of defined financial goals include:

• Retire at age 60 with an annual income of $100K
• Buy a cottage for $200-300K in 7 years
• Fund my children's education over a 12 year period

Once your financial goals have been defined, I will present you with strategies that will give you the highest probability of achieving your targets while investing within your comfort zone. When the plan is in place, we will begin to monitor progress towards the targets, on an ongoing basis. This will allow us to make adjustments, as life's unknowns start to reveal themselves, so that you can keep the dream alive.