David F. Andrews B. Comm CFP CLU TEP
Variable or Guaranteed?
That's the first question on everyone's mind. It is also the primary decision that every investor must make when they are determining how much risk they are willing to assume. Asset Allocation (the proportion of different asset classes in your portfolio) accounts for approximately 90% of your returns over the long-term. As new products enter the market place that cater to a client's desire for guarantees consideration should be given to the costs associated with those guarantees. As skilled advisors we can help clients balance out the need for higher returns and the need for security in the design of their portfolio.
Tax Now or Tax Later?
Consideration should also be given to the way investment returns are reported for tax purposes, The reporting of growth in a portfolio may all be reported and taxed every year as in the case of interest, provide for some deferral as in the case of unreported capital gains or provide a tax preference (lower tax rate) as in the case of a dividend. As professional advisors we can help clients balance their investment strategy and the opportunities to maximize their tax savings.
Graduated Fee Structure
Your Investment Service fee is determined by the costs associated with delivering the investment service including the money management fee, the advisor service fee (with or without planning) and the costs associated with the guarantees. Based on account size, we recognize opportunities for cost reductions. The level of cost savings is dependant on the following categories:
The Investing Public
The Affluent
The Private Client
As professional advisors we can help clients balance their investment strategy and the opportunities to maximize their cost savings.
Annuities-GICs-Funds-Wraps-Portfolios
Using products available through the banking system, the insurance industry, Investment Dealers and Private Wealth Management Referrals, we provide clients with appropriate investment solutions and professional advice allowing you to sleep at night.
