David F. Andrews B Comm CFP CLU TEP
Investing for Accumulation: A Core Service Solution
We like to speak of investing for accumulation instead of using the term investing for growth. When the emphasis is placed on growth, it can be easy to focus on short-term effects. Investments are the tool we use to help achieve the goals and objectives that are important to us. The real challenge is accumulating wealth while managing the demands of daily living and trying to save for multiple short-term goals at the same time.
Our investment strategies evolve from a clear understanding of your risk tolerance (the ability to live with market fluctuations) and an appropriate asset allocation strategy.
Retirement
As part of this service we can help you clarify your retirement goals, identify and quantify other goals such as debt reduction, education savings and major purchase planning. We may be able to help improve your cash flow through our debt management strategy and assist in prioritizing your accumulation goals.
As you approach retirement, it is never too late to sit down and re-evaluate your situation. One of the advantages that we offer is the ability to compare future income forecasts, based on current and alternative assumptions.
Savings
Education Savings is one of the big challenges for parents these days. Then come weddings, new vehicles and lifestyle decisions. We can help with the appropriate investment vehicle and/or the development of an investment strategy to help you achieve your goals.
We provide each client with an annual review of their net worth and a progress report showing how they have been progressing over time.
