As someone that is new to financial investments, other than RRSP programs through my financial institution, my wife and I have thoroughly enjoyed the process we’ve experienced and return on our investments with Richard. There is a noticeable difference in performance from our previous experience with our bank. Richard provides insight, guidance, and understanding in developing and managing our financial portfolio. In doing so, he addressed our long-term needs, goals, and risk tolerance. His objectives on our behalf are simple, good return on investment, and acknowledging tax strategies as our portfolio matures.