Financial planning starts with the process of determining your financial goals, purposes in life and life's priorities. After taking stock of your resources, risk profile and current lifestyle, our job is to create a plan to meet your objectives. We use your goals to map a course of action that will help you reach these goals.

We complete a personal financial review, help you set short and long-term goals and agree on the plan that you’re most comfortable with. Financial planning requires periodic reviews. Your life’s circumstances and goals constantly evolve. People get married and divorced. Children grow up. You could become ill, inherit property or even die. Your family business could prosper or fail. Everyone’s life has an endless range of possible changes, and it’s our responsibility to keep your plan up to date.

In addition, the government regularly changes laws and regulations, including The Income Tax Act, and every plan must undergo regular reviews to determine whether we need to update it.

A lack of regular reviewing, monitoring and updating could jeopardize your financial plan. By keeping you abreast of all relevant changes, you’ll be better equipped to achieve your objectives. That is the value that we bring to the table.

We are very cautious investors and checked Richard's references and credentials. He has proven to be a reliable, caring and results-driven broker. — B.K.