1. Our relationship with our clients includes the development of a personal financial plan to achieve their financial goals. As part of this plan, we review and evaluate the investment, insurance, banking, retirement, estate and tax planning aspects of each client’s situation.

2. We strive to serve as our clients’ chief financial advisor. As part of this role, we would collaborate with existing professional advisors such as accountants and estate lawyers. If required, we would also access our own network of professional advisors.

3. Our investment philosophy is essentially conservative in nature. Operating within each client’s risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk - as a result, both we and our clients sleep soundly at night.

4. Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, tax deferral, prudent use of leverage, etc., are evaluated.

5. Every six months all clients receive a summary of investment performance. The information is presented as clearly as possible; in addition, the format of the report is reviewed with all new clients at the onset of each new relationship, to minimize the confusion about how to read the reports. Client reports can be provided more frequently upon request.

6. Our client’s accounts are monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, each client is invited to review their account on an annual basis and appropriate adjustments can be made. More frequent meetings can be arranged.

7. We make ourselves as accessible to clients as possible. Our objective is to address all business inquiries within one business day.

8. We believe that our best clients are those who are fully informed. As a result, we have a strong commitment to client communication through regular newsletters, seminars and guest speakers. In addition, we maintain a library of some of the very best books on personal finance, available for loan to all our clients.

9. We also serve our clients through commitment of self-development by way of education, both formally and topically. We will maintain and go beyond the educational standards placed on us by our various educational designations.


10. We view sacred the trust our clients place on us, observing strictly the guidelines of discretion and confidentiality. We put our clients’ interest first and foremost, and we are pledged to uphold the ethics of the professional organizations to which we belong.

11. We believe in the “whole person” concept; that money and possessions are only a part of an individuals’ life. We would encourage our clients and ourselves to keep our lives in good order by taking care of our physical, mental, emotional and spiritual needs.

12. Finally, we believe that each of us is ultimately accountable to our Creator for the life we live and how we impact others. We would encourage our clients and ourselves to live a life of good stewardship, so that one day, we may hear these important words, “Well done, my good and faithful servant.”