WEALTH MANAGEMENT APPROACH

Step 1: Understanding your needs and preferences

Recognizing that no two clients are alike, the Wealth Management Process begins by understanding your specific needs and preferences to meet your investment goals. To do this effectively, we will gather important information which includes:

• Your financial and personal status;

• Your investment goals and preferences;

• Your investment objectives and constraints;

• Your risk tolerance; and

• Your time horizon

Step 2: Creating an investment strategy

Once we have defined a clear understanding of your needs and preferences, we can create an investment strategy tailored to your requirements. A detailed financial plan will be built that establishes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for business owners).

Step 3: Customizing your investment portfolio

When it comes to an investment portfolio, one size does not fit all. We will implement your investment strategy to construct a custom-designed portfolio. The custom-designed portfolio will integrate your investment objectives, risk tolerance and investment time horizon to achieve your individual financial goals. With access to other leading financial, estate and business planning professionals, in-depth research and analysis and best-in-class investment solutions this is where our team can assist you in customizing a suitable portfolio.

Step 4: Managing your portfolio to meet your objectives

A strategy does not always go according to plan. For this reason we will continuously monitor and review your portfolio on an ongoing basis and adjust your strategy to keep it aligned with changing life events and evolving market conditions. Our regular reviews ensure than your plan remains and effective tool in achieving your goals.