A Distinctive Approach to Wealth Management.
|
|
- Sarah Wiggins
- 6 years ago
- Views:
Transcription
1 A Distinctive Approach to Wealth Management. 量身定制的财富管理方式 Yu Qin Jonathan Lin 林于勤 Investment Advisor 投资顾问 Geoff Marshall Wealth Management Group
2 BMO Nesbitt Burns is one of North America s leading full-service investment firms. It has been committed to helping clients meet their investment objectives and goals since Today, BMO Nesbitt Burns is focused on meeting the needs of individual investors through a customized approach to wealth management. Backed by our industry leading research, we believe in maintaining strong relationships with our clients and providing industry leading solutions. As part of BMO Financial Group, BMO Nesbitt Burns also provides clients with access to one of the broadest selections of wealth management solutions and services available today.
3 About Jonathan We run segregated, disciplined portfolios which are customized to each client s needs. Our Core Values Putting Clients First Each client is unique and there is no single solution that universally addresses every client s needs. Our process begins with a consultative meeting to better understand the client s specific circumstances, financial needs and goals. Using the information gathered in this meeting, we then develop a tailored, comprehensive financial strategy that addresses the client s needs and sets in motion the journey to financial success. I joined BMO Nesbitt Burns as an Investment Advisor in early I was previously a Financial Services Manager with the BMO Bank of Montreal Branch in Oakville, where I strengthened my skills in the investment industry. My dedication to my clients, attention to detail and my business acumen, are all key abilities that I bring into my role. I specialize in providing customized investment solutions for high net worth clients, and have developed a reputation as a highly trusted Investment Advisor within my community and BMO Financial Group. I made the decision to join the Marshall Wealth team because it married both experience and methodology that mirrored the process I wanted to invest in. My family and I immigrated to Canada from China in After completing high school in Vancouver BC, I came to Toronto and graduated with a Bachelor of Commerce degree from University of Toronto. I am a FPSC Level 1 Certificant and a CFA level II candidate. My wife Karen and I live locally with our son Jayden. When not working, I enjoy fishing, spending time with my family and am also very involved in the community. Our team prides themselves on the high caliber of their service. Their dedication to their clients is demonstrated by regular faceto-face portfolio reviews and frequent open discussions about their clients evolving needs and cash flow requirements in order to provide proactive, reflexive solutions at every turn. Almost 30 years of experience in the investment industry have taught our team that successful wealth management requires not only expertise, but trust in the client-advisor relationship. We understand that an important part of applying a comprehensive, analytical approach begins with fully understanding each client s financial aspirations, previous financial experiences, risk profile and time horizon. We are proud of the strong relationships we have been able to cultivate with our clients, and the level of service we provide, which starts with the interview process and continues decades into the relationship. We build these long-lasting relationships through mutual trust, and consistency in both our service and our performance in helping to achieve our client s goals. We are committed to maintaining an open dialogue with our clients through regularly scheduled reviews and timely calls in response to changing markets and client needs. My team is dedicated to making themselves accessible for questions and comments, and responding quickly and efficiently when inquiries and issues arise. Specialties We specialize in financial and estate planning, investment portfolio management and a number of aggregated financial services to high net worth individuals, small business owners, institutions, select foundations, and endowments. Yu Qin Jonathan Lin Investment Advisor
4 Investment Process 1 Creating your Personalized Roadmap Through our consultative meetings with you, we will be listening to your plans for the future and building a financial model in and around your needs and capabilities. This model is not static and will be updated yearly to make sure we re staying on track with your financial plan. Most importantly, this will help us populate investments that meet your individual objectives, creating your personalized roadmap to financial success. 2 Client Risk Evaluation Retirement & Capital Return Analysis When assessing your appropriate level of investment risk, a formal retirement and capital analysis is critical in understanding your needs versus goals. Using sophisticated planning tools we create a clear and cogent picture of your finances including retirement and financial planning. Legacy Analysis Many assets are a legacy to clients future family members. This may lead to complex estate and tax planning requirements. We can evaluate these needs and draw upon our in-house tax, legal and estate experts to provide you with the optimal solution for your family legacy needs. It is a great benefit to have these experts working together with us to build your family s tax and wealth plan. Goals Every investor has unique goals. Our job is to understand your needs and customize a portfolio based on your specific objectives. Investment Process 1 Creating your Personalized Roadmap
5 3 Asset Allocation 1. Proactive Asset Allocation After we have assessed your investor profile we will employ a proactive approach to asset allocation. We use a sound framework to reduce emotional influences and make changes at appropriate times. 2. Secular Themes As we see new opportunities arise in various sectors of the market we will be adopting new strategies. 3. Horizons As your needs evolve or timelines change, we will constantly monitor your strategy to ensure it aligns with your personal or family s financial needs. 4. Investment Building Blocks The framework of a portfolio is critical when allocating capital. We will ensure you have the necessary building blocks with the proper focus on your changing goals. Investment Building Blocks Deep Value Dividends Special Situations Value Fixed Income 2 Client Risk Evaluation 3 Asset Allocation 4 Macroeconomics
6 4 Macroeconomics 6 Your Portfolio Backed by BMO Nesbitt Burns extensive Economic Research, we review National and International Economics and assess Income and Employment complementing in our Portfolio Analysis. Assessing Current Global Economic Trends Growth Unemployment Inflation Money Flow Government policies Your portfolio will reflect your risk assessment, time horizon, tax needs and cash flow requirements. It is the sum total of your Risk Evaluation, the Macroeconomic Outlook, Quantitative Analysis and appropriate Asset Allocation. If there is a material change in your needs, the economic picture, a company s outlook or BMO Nesbitt Burns interest rate outlook, Geoff will react dynamically within the market and adapt to the changing environment where required. Business Cycle Today s business cycles are widely believed to be irregular, varying in frequency, magnitude and duration. We are constantly evaluating data points to better understand where we are today and where we are headed. 5 Quantitative Analysis Our up to date analysis and dynamic investment strategies are built using the following five guidelines: Your investments are personal, so is our approach. 1. Growing earnings and dividend yield 2. Low price to earnings relative to industry 3. Low price/book relative to industry 4. High return on equity 5. Annual cash flow momentum 5 Quantitative Analysis 6 Your Portfolio
7 Our Services Meridian Program A customized fee-based advisory program that provides a traditional investment relationship without commissions. You are involved in the day-to-day investment recommendations within your portfolio. Managed Portfolio Account Program (MPA) This program establishes a direct relationship between you and Geoff as your accredited Portfolio Manager. Day-to-day investment decisions are made on a discretionary basis by Geoff in accordance with a clearly documented Investment Policy Statement based on your needs and goals. Our fees are highly competitive and offer excellent value. Fees for non-registered accounts are potentially tax deductible against income. Fee schedule available upon request. Geoff s business has been built by referrals. Referrals are always welcomed. Minimum Portfolio qualification is $500,000 per account. Portfolio Management Tax Efficient Strategies Retirement and Estate Planning Fee Based Investment Solutions Corporate & Personal Money Management Our Team Geoff Marshall Vice President Portfolio Manager Geoff has been a Portfolio Manager since 1992, and has been working in the investment industry since Since joining BMO Nesbitt Burns in 1998, Geoff has been a perennial recipient of the President s Council and the Directors Council awards. He is passionate about everything he does. This is immediately apparent to his clients by the level of dedication he applies to managing their portfolios. Geoff holds a B.A. from the University of Western Ontario, he is a Chartered Investment Manager, a Fellow of the Canadian Securities Institute, and a Life Insurance Advisor with BMO Nesbitt Burns Financial Services Inc. Geoff grew up in Oakville, where he graduated High School out of Appleby College and has spent over 50 years in the community dedicating a large amount of his spare time in a variety of community outreach services to help those in need. Geoff and his wife Heather have 5 grown children. With their spare time, they enjoy golfing, hiking and are avid sports enthusiasts. Chris Hanna Associate Investment Advisor Chris joined BMO Nesbitt Burns in 1999 after graduating from McMaster University with an Honours Bachelor of Commerce degree. As an Associate Investment Advisor, he is fully involved with clients in all stages of the investment process. His attention to detail and problem solving, make him an invaluable member of our team. Chris was born and raised in Oakville. He currently resides in Toronto with his wife Melanie and children Joshua and Taylor.
8 Talk with us Learn more Learn more Yu Qin Jonathan Lin Investment Advisor Geoff Marshall Vice President & Portfolio Manager BMO Nesbitt Burns 132 Trafalgar Road Oakville, ON L6J 3G5 Geoff Marshall Wealth Management Group BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO Nesbitt Burns Inc., in providing wealth management products and services. BMO (M-bar roundel symbol) is a registered trade-mark of Bank of Montreal, used under license. Nesbitt Burns is a registered trade-mark of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Ltée provide this commentary to clients for informational purposes only. The information contained herein is based on sources that we believe to be reliable, but is not guaranteed by us, may be incomplete or may change without notice. The comments included in this document are general in nature, and professional advice regarding an individual s particular position should be obtained. If you are already a client of BMO Nesbitt Burns, please contact your Investment Advisor for more information. Insurance services and products are offered through BMO Estate Insurance Advisory Services Inc., a wholly-owned subsidiary of BMO Nesbitt Burns Inc. BMO Nesbitt Burns Inc. is a Member Canadian Investor Protection Fund. Member of the Investment Industry Regulatory Organization of Canada.
A Distinctive Approach to Wealth Management.
A Distinctive Approach to Wealth Management. Vice President & Portfolio Manager Wealth Management Group BMO Nesbitt Burns is one of North America s leading full-service investment firms. It has been committed
More informationRichard Veale. Vice President Portfolio Manager
Richard Veale Vice President Portfolio Manager As part of BMO Financial Group and the organization s Private Client Group, BMO Nesbitt Burns has the expertise to manage the most sophisticated wealth needs.
More informationBMO Nesbitt Burns. Stuart Macdougall, B.A. Vice President, Senior Investment Advisor
BMO Nesbitt Burns Stuart Macdougall, B.A. Vice President, Senior Investment Advisor Working with me Being in the financial services industry since 1981, I strive to be your quarterback for all your financial
More informationThe Greg Upson Wealth Management Team of RBC Dominion Securities. Professional wealth management
RBC Dominion Securities Inc. The Greg Upson Wealth Management Team of RBC Dominion Securities Professional wealth management Wealth management solutions designed for you As you progress toward achieving
More informationTrue freedom is the ability to choose how you live your life
True freedom is the ability to choose how you live your life primepartners.com.au We help you predict your future by helping you create it. Prime Partners was established in July 2006 following a merger
More informationRita Benefield, cim, fma, fcsi Vice-President & Portfolio Manager
RBC Dominion Securities Inc. Rita Benefield, cim, fma, fcsi Vice-President & Portfolio Manager Professionalism Principles Protection Performance Wealth Management Solutions Designed for You As you make
More informationBMO NESBITT BURNS. Group of Funds. a sound investment choice for your future
BMO NESBITT BURNS Group of Funds a sound investment choice for your future a world of managed growth investing, reassuringly close to home The BMO Nesbitt Burns Canadian Stock Selection Fund The Fund is
More informationRBC Dominion Securities Inc. Bow Valley Wealth Management Group of RBC Dominion Securities
RBC Dominion Securities Inc. Bow Valley Wealth Management Group of RBC Dominion Securities Life is busy, time is precious and managing finances can be complicated and overwhelming. That s why at Bow Valley
More informationMacLean Wealth Advisory Group. Providing sound financial advice for a better tomorrow.
MacLean Wealth Advisory Group Providing sound financial advice for a better tomorrow. Mission Statement At the MacLean Wealth Advisory Group we offer tailored investment advice and full-service wealth
More informationIntegrity Confidence Peace of Mind. Bannatyne Wealth Advisory Group
Integrity Confidence Peace of Mind Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group At Bannatyne Wealth Advisory Group, we empower our clients to build and maintain their wealth, delivering
More informationAvantgarde. Wealth Management Group. Private Investment Advice
Avantgarde Wealth Management Group Private Investment Advice Avantgarde Wealth Management Group Our comprehensive offer is unique, bringing together experience, knowledge and expertise to deliver peace
More informationGeorge Smith Financial Planning Specialist Vice President Financial Advisor > Objective - Loyal - Local
George Smith Financial Planning Specialist Vice President Financial Advisor > Objective - Loyal - Local 69 Swift Street, 4th Floor PO Box 1095, Burlington, VT 05402 802-652-6017 / MAIN 800-446-0193 / TOLL-FREE
More informationReviewing Common Investment Terms
BMO NESBITT BURNS Reviewing Common Investment Terms Having a firm understanding of common financial terms helps ensure that you stay well informed about your portfolio s progress and positioning. This
More informationEarly on, your needs were simple. The memory of
Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.
More informationThe BHPS Group at Morgan Stanley
The BHPS Group at Morgan Stanley 345 St. Peter St. 1800 Landmark Towers, Saint Paul, MN 55102 651-215-8400 / MAIN 800-326-9121 / TOLL-FREE 651-215-8408 / FAX nancy.buttweiler@morganstanley.com The BHPS
More informationDAVIS DESHOTELS GROUP
DAVIS DESHOTELS GROUP wealth Management Beyond wealth management Our goal is to continually enhance the financial well-being of clients, allowing them to focus on what is most important in their lives.
More informationThe Carson Roberds Group at Morgan Stanley
The Carson Roberds Group at Morgan Stanley 2200 South Utica Place Suite 300, Tulsa, OK 74114 918-744-4667 / MAIN 918-730-9690 / FAX https://fa.morganstanley.com/thecarsonroberdsgroup 2 MORGAN STANLEY The
More informationHow to Read Your Performance Report
How to Read Your Performance Report The BMO Nesbitt Burns Performance report provides you with a detailed summary of account performance within your portfolio. Your investment performance is calculated
More informationRelationship Disclosure (RD)
BMO Wealth Management BMO Nesbitt Burns RDD-09/15-E Relationship Disclosure (RD) BMO Nesbitt Burns believes the best way to help you meet your investment goals is to work with your Investment Advisor to
More informationThe Keating Group at Morgan Stanley. Everything Starts With A Plan
The Keating Group at Morgan Stanley Everything Starts With A Plan 899 Cassatt Rd Ste 100 Berwyn, PA 19312 610-408-1944 / MAIN 800-345-3050 / TOLL-FREE 610-408-1908 / FAX http://www.morganstanleyfa.com/
More informationPeace of mind comes with a plan. Let s create yours, together.
Peace of mind comes with a plan. Let s create yours, together. Greenwood White Group Build your wealth Life can be complicated, but investing doesn t have to be. We want you to be able to live your life
More informationInside the BMO ETFs team
SPECIAL REPORT Raymond Chan Charles-Lucien Myssié Chris McHaney Rob Bechard Managing director, head of ETF portfolio management Inside the BMO ETFs team WPC recently visited the BMO Global Asset Management
More informationThe Bordonaro - Hannah Group at Morgan Stanley. Wealth Management personalized for you
The Bordonaro - Hannah Group at Morgan Stanley Wealth Management personalized for you 8300 NORMAN CENTER DR STE 1150 BLOOMINGTON, MN 55437 952-841-6457 / MAIN 800-927-1990 / TOLL-FREE 952-921-1944 / FAX
More informationPlanning Today For Financial Independence Tomorrow
Planning Today For Financial Independence Tomorrow Charting a Course for Your Financial Independence When you embarked on the journey of your life, what did you dream the future would hold? What are your
More informationThe Shelter Bay Group at Morgan Stanley
The Shelter Bay Group at Morgan Stanley 58 South Service Road Suite 400, Melville, NY 11747 631-755-8990 / MAIN 877-752-6454 / TOLL-FREE 631-755-8999 / FAX www.morganstanleyfa.com/theshelterbaygroup The
More informationPessimism, Skepticism, Optimism, Euphoria
December 2017 Pessimism, Skepticism, Optimism, Euphoria It has been said that bull markets are born on pessimism (2009), grow on skepticism, mature on optimism, and die on euphoria. I am not sure where
More informationThe Basch Anderson Miller Group at Morgan Stanley. Customized Solutions for Every Client
The Basch Anderson Miller Group at Morgan Stanley Customized Solutions for Every Client 3993 Howard Hughes Pkwy St 800 NMLS#1288381, Las Vegas, NV 89169 702-737-8143 / MAIN 855-291-4921 / TOLL-FREE 702-425-9494
More informationOur innovative team-based approach
Our innovative team-based approach Enriched Thinking The Spiess McGlade Team ScotiaMcLeod, a division of Scotia Capital Inc. Where expertise matters Tom Inglis, BA (Econ.), CFP Senior Financial Planning
More informationThe Schneiderman Group at Morgan Stanley. Financial Planning Portfolio Management Retirement Planning
The Schneiderman Group at Morgan Stanley Financial Planning Portfolio Management Retirement Planning 490 East Palmetto Park Road Boca Raton, FL 33432 866-591-7221 / toll-free 561-394-8616 / main 561-394-8660
More informationPerspective. Cautious Optimism. In this issue
In this issue SUMMER 2010 BMO Nesbitt Burns Tax Survey Make the most of your RRSPs/RRIFs Tax Planning for an Inheritance p2 p3 p4 Perspective Making sure your money lasts p5 As of June 18, 2010 Sherry
More informationThe Morgan Allis Rosel Group at Morgan Stanley Smith Barney. Managing your wealth, growing our relationship
The Morgan Allis Rosel Group at Morgan Stanley Smith Barney Managing your wealth, growing our relationship We believe that you deserve financial advisors who share your vision, earn your trust and work
More informationThe Monte Sano Group at Morgan Stanley. Amanda Mullins Todd McBride
The Monte Sano Group at Morgan Stanley Amanda Mullins Todd McBride 501 Madison Street Huntsville, AL 35801 256-535-2876 / MAIN 800-633-2947 / TOLL-FREE 256-585-6480 / FAX www.morganstanleyfa.com/montesanogroup
More informationA wealth management firm centered on our clients individual needs.
A wealth management firm centered on our clients individual needs. Why Eagle Strategies and why an Eagle Strategies Advisor? Our tools may be similar, but our attitude is different. Eagle Strategies was
More informationSteven Kim, B.Comm., FCSI Investment Advisor
RBC Dominion Securities Inc. Steven Kim, B.Comm., FCSI Investment Advisor Professional Wealth Management Since 1901 We a lt h m a n ag e m e n t s o lu t i o n s d e s i g n e d f o r yo u As you make
More informationTD Wealth Private Investment Counsel. A comprehensive approach to building and protecting wealth
TD Wealth Private Investment Counsel A comprehensive approach to building and protecting wealth What we offer To help you meet your goals, we take a comprehensive approach that extends beyond investing.
More informationYour Roadmap To Financial Success
Your Roadmap To Financial Success Wealth Management Investments Retirement Education Tax Planning Estate Life Insurance Planning for success At Community Savings, we re dedicated to finding the optimum
More informationRBC Dominion Securities. Wealth management for your sophisticated needs
RBC Dominion Securities Inc. Archer Wealth Management RBC Dominion Securities Wealth management for your sophisticated needs Wealth Management for Your Sophisticated Needs Today, you can expect to live
More informationThe Watts Group at Morgan Stanley. Investment Management Financial Counsel
The Watts Group at Morgan Stanley Investment Management Financial Counsel 222 Central Park Avenue Suite 1800, Virginia Beach, VA 23462 757-493-2100 / MAIN 800-622-3430 / TOLL-FREE 866-766-4930 / FAX http://www.morganstanleyfa.com/thewattsgroup
More informationSecurities. Welcome to Manulife Securities
Securities Welcome to Manulife Securities 1 Strength and Independence It pays to seek advice And here s why. At Manulife Securities, we believe there is no better way to serve the needs of Canadian investors
More informationCREATING CONDITIONS FOR SUCCESS CREATING CONDITIONS FOR SUCCESS 01
CREATING CONDITIONS FOR SUCCESS CREATING CONDITIONS FOR SUCCESS 01 " Connor, Clark & Lunn Financial Group brings together the talents of diverse investment teams in a multi-boutique structure. Together,
More informationThe Hamilton Retirement Planning Group at Morgan Stanley. Helping clients transition into retirement
The Hamilton Retirement Planning Group at Morgan Stanley Helping clients transition into retirement 4520 Main Street, 8th Floor Kansas City, MO 64111 816-932-7856 / MAIN 800-821-6119 / TOLL-FREE 816-932-7836
More informationYour invitation to TD Wealth Private Investment Advice
Your invitation to TD Wealth Private Investment Advice It isn t just about where you are today, it s about where you see yourself tomorrow Add our momentum to yours Imagine the heights you could reach
More informationThe Scheid Group at Morgan Stanley
The Scheid Group at Morgan Stanley 4969 US HIGHWAY 42 SUITE 1200 LOUISVILLE, KY 40222 502-394-4047 / MAIN 800-966-4617 / TOLL-FREE 502-394-4013 / FAX morganstanley.com/fa/thescheidgroup.com michael.scheid@morganstanley.com
More informationEarly on, your needs were simple. The memory of
Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.
More informationMaking decisions that will affect your life and the lives of those you care about is a deeply personal experience.
TD Wealth Making decisions that will affect your life and the lives of those you care about is a deeply personal experience. At TD, we believe that each client s needs and goals are truly unique, and that
More informationChristopher A. Rea, CRPS. Corporate Retirement Director Financial Advisor
Christopher A. Rea, CRPS Corporate Retirement Director Financial Advisor 101 California Street 3rd Floor, San Francisco, CA 94111 415-693-6063 / MAIN 862-210-6072 / FAX https://fa.morganstanley.com/christopher.rea
More informationThe Spiro Group at Morgan Stanley
The Spiro Group at Morgan Stanley 1100 Poydras Street Suite 1900, Energy Centre, New Orleans, Louisiana 70163 504-585-3973 / Main 800-227-6121 / Toll-Free 504-910-9755 / fax www.morganstanleyfa.com/ spirogroup/
More informationFinancial and estate planning is not a do-it-yourself project. You need hands-on service, support and objective advice.
Financial and estate planning is not a do-it-yourself project. You need hands-on service, support and objective advice. Barjes Angulo, Angulo Strategies Coming together is a beginning; Keeping together
More informationRBC Dominion Securities Inc. Steve Rose, cfp, cim. A comprehensive approach to wealth management
RBC Dominion Securities Inc. Steve Rose, cfp, cim Vice-President & Investment Advisor A comprehensive approach to wealth management As you make progress towards achieving your goals in life, you may discover
More informationThe rewards of artful investing
The rewards of artful investing CUSTOM WEALTH ADVANTAGE MANAGED ACCOUNTS Investing is a collaborative art Artful investing begins with a personalized plan toward achieving and sustaining long-term growth;
More informationThe Keating Group at Morgan Stanley. Everything Starts With A Plan
The Keating Group at Morgan Stanley Everything Starts With A Plan 899 Cassatt Rd Ste 100 Berwyn, PA 19312 610-408-1944 / MAIN 800-345-3050 / TOLL-FREE 610-408-1908 / FAX http://www.morganstanleyfa.com/
More informationA collaborative approach supported by the strength of TD
Introducing TD Wealth Private Investment Advice A collaborative approach supported by the strength of TD David Bailey CFP, CIM, FCSI, CSWP Investment Advisor/Life Insurance Advisor Phone 905-528-7140 Email
More informationDaniel R Liff, CRPS Corporate Retirement Director Executive Director Financial Advisor Serving the needs of the affluent investor.
Daniel R Liff, CRPS Corporate Retirement Director Executive Director Financial Advisor Serving the needs of the affluent investor. 58 SOUTH SERVICE ROAD SUITE 400, MELVILLE, NY 11747 631-755-8867 / MAIN
More informationThe Terhune Group at Morgan Stanley
The Terhune Group at Morgan Stanley 750 Lindaro St. Suite 300 San Rafael, CA 94901 415-451-1400 / MAIN 800-505-1220 / TOLL-FREE 415-532-1981 / FAX www.morganstanley.com/fa/jerold. terhune jerold.terhune@morganstanley.com
More informationB M O N e s B i t t B u r N s
BMO Nesbitt burns Estate Planning Estate Planning You have devoted yourself to providing for your family and saving for a comfortable retirement, but have you also planned for what would happen if you
More informationThe Aging Economy. Canadians are living longer. The greying of the Canadian population. Improving with Age
BMO Wealth Management Insight Canadian Edition OCTOBER 2018 Improving with Age Living longer means that thoughtful and effective financial decisions should be made about retirement and estate planning
More informationTHE SPROUL-GOUGH GROUP at Morgan Stanley
THE SPROUL-GOUGH GROUP at Morgan Stanley 4205 BALMORAL DRIVE SUITE 100 HUNTSVILLE, AL 35801 256-650-4003 / MAIN 800-877-0380 / TOLL-FREE 256-650-4046 / FAX www.morganstanley.com/fa/thesproulgoughgroup
More informationWhy Choose Mappa Wealth Management?
Why Choose Mappa Wealth Management? We know that talking about financial matters can often be difficult. You want to be sure you make the right decision in choosing a partner to help you meet your financial
More informationRisk averse. Patient.
Risk averse. Patient. Opportunistic. For discretionary use by investment professionals. Litman Gregory Portfolio Strategies at a Glance We employ tactical asset allocation by identifying undervalued asset
More informationMorgan Stanley. Our Process. The Bjorklund Group at Morgan Stanley
Morgan Stanley Our Process The Bjorklund Group at Morgan Stanley 1 Our Team Overview Brian Bjorklund Vice President, Wealth Advisor 952.921.1906 direct brian.bjorklund@morganstanley.com Kris Bjorklund
More informationHedging Variable Rate Exposure in a Commercial Real Estate Debt Portfolio
Hedging Variable Rate Exposure in a Commercial Real Estate Debt Portfolio Authors Dan Hampton, Senior Vice President, Managing Director and Head of U.S. Commercial Real Estate bmo Harris Bank Timothy Huang,
More informationPrivate Wealth Management The Clifford Barnowski Group. Real experience. Custom solutions.
Private Wealth Management The Clifford Barnowski Group Real experience. Custom solutions. We recommend our clients look for these four attributes in a Financial Advisor: integrity, good judgment, relevant
More informationWe simplify the lives of our clients. We simplify the lives of our clients
We simplify the lives of our clients. Continuing a unique heritage. To reflect a distinctive philosophy, our integrated wealth management team is exclusively focused on serving and working with families
More informationThe Miller Conturso Group at Morgan Stanley
The Miller Conturso Group at Morgan Stanley 10 MADISON AVE - 1st Floor MORRISTOWN, NJ 07962 973-993-5255 / MAIN 800-524-2423 / TOLL-FREE 973-993-5276 / FAX www.morganstanleyfa.com/miller_ conturso We are
More informationFPSC Competency Profile
FPSC Competency Profile 1 Published by Financial Planning Standards Council (FPSC) Disclaimer: FPSC does not provide professional financial planning services, legal services, or other expert advisory services.
More informationRBC Dominion Securities Inc. The Milau Fairhurst Private Wealth Management Group of RBC Dominion Securities
RBC Dominion Securities Inc. The Milau Fairhurst Private Wealth Management Group of RBC Dominion Securities 2 RBC Dominion Securities Our advisory team As our client, you will receive timely service and
More informationCFA Vancouver Financial Modelling Workshop
CFA Vancouver Financial Modelling Workshop November 20, 21 & 22, 2012 SFU Graduate School of Business 500 Granville Street Vancouver, BC CFA Vancouver 604-985-9889 info@cfavancouver.com www.cfavancouver.com
More informationThe East Gate Group at Morgan Stanley. Providing Clients with Financial Independence
The East Gate Group at Morgan Stanley Providing Clients with Financial Independence 330 Fellowship Road Suite 400, Mount Laurel, NJ 08054 888-651-6517 / MAIN 856-283-4456 / FAX http://www.morganstanleyfa.com/theeastgategroup/
More informationCreating an investment plan as unique as you
Creating an investment plan as unique as you Richard S. Groscost Senior Financial Advisor - Wealth Management Ray V. Pearl, CFP Financial Advisor Gloria Rodriguez WM Senior Registered Client Relationship
More informationThe Matthews-Downey Group at Morgan Stanley
The Matthews-Downey Group at Morgan Stanley 277 South Rose St Suite #3100, Kalamazoo, MI 49007 269-373-2650 / MAIN 866-624-1187 / TOLL-FREE 269-373-2640 / FAX http://www.morganstanleyfa.com/ thematthewsdowneygroup
More informationLITMAN/GREGORY. Investment Strategies
Investment Strategies For Client Use Investment Strategies Litman/Gregory Portfolios at a Glance Litman/Gregory s tactical asset allocation expertise helps identify undervalued asset classes and weights
More informationThe Crenshaw Group at Morgan Stanley Smith Barney
The Crenshaw Group at Morgan Stanley Smith Barney 320 East Main Street Suite 410, Spartanburg, South Carolina 29302 864-585-7761 / Main 800-934-0340 / Toll-Free 864-591-0963 / fax fa.smithbarney.com/crenshaw
More informationQuarterly and Annual Review Guide
Y O U R M A N A G E D A C C O U N T Quarterly and Annual Review Guide YOUR QUARTERLY AND ANNUAL MANAGED REVIEWS With any investment program it is important that you and your Investment Advisor be able
More informationunbiased objective financial guidance
unbiased objective financial guidance Life is a collection of experiences; we help you plan for them. Our mission is to help our clients visualize and implement their life goals through education and trusted
More informationPreferred Portfolio Services SM. managed portfolios. striking the right balance.
Preferred Portfolio Services SM select managed portfolios. striking the right balance. 2 3 Striking the Right Balance Devoting the appropriate amount of time and energy to each of life s priorities is
More informationthe granzow consulting group
the granzow consulting group of wells fargo advisors WH AT we BelieVE We believe in providing unsurpassed client service every time... without exception. We believe in recognizing the significance of the
More informationVIEW FROM A CLIENT S PERSPECTIVE
VIEW FROM A CLIENT S PERSPECTIVE Darren has been my Adviser for many years now and in that time he has rationalised what was a complex set of investments, ensured that proper tax management is in place
More informationBryan Wealth Management Group
RBC Dominion Securities Inc. Bryan Wealth Management Group of RBC Dominion Securities Robert Bryan, fma, cim, fcsi, Vice President, Branch Manager & Portfolio Manager Bryan Wealth Management Group of RBC
More informationThe Mattson Group at Morgan Stanley. Financial Advisors Centered Around You
The Mattson Group at Morgan Stanley Financial Advisors Centered Around You 345 St. Peter Street 1800 Landmark Towers, Saint Paul, MN 55102 651-215-8412 / MAIN 800-421-0018 / TOLL-FREE 651-215-8408 / FAX
More informationEdelston Grasso Group at Morgan Stanley
Edelston Grasso Group at Morgan Stanley 227 W Monroe Street Suite 3400, Chicago, IL 60606 312-648-3400 / MAIN 800-621-5231 / TOLL-FREE 312-648-3344 / FAX Edelston Grasso Group at Morgan Stanley As Financial
More informationKyle Sarai, MBA Investment Advisor
RBC Dominion Securities Inc. Kyle Sarai, MBA Investment Advisor An all-encompassing approach to wealth management Kyle Sarai, Investment Advisor 1 Who we help Our services are designed for people who
More informationEMPIRE LIFE INVESTMENTS
EMPIRE LIFE INVESTMENTS EMPIRE LIFE INVESTMENTS At Empire Life Investments, we set out to make investing less complicated. Our investment solutions are forward-thinking, yet traditional in their simplicity,
More informationYOUR FAMILY INDEX NUMBER. Defining Your Future with Confidence Carson Institutional Alliance
YOUR FAMILY INDEX NUMBER Defining Your Future with Confidence 2015 Carson Institutional Alliance Long-term financial security is a goal most investors aspire to, yet accomplished individuals and families
More informationSecuring Your Financial Future. There s Wealth in Our Approach.
The Right Game Plan Securing Your Financial Future There s Wealth in Our Approach. About Us Value Statement As a professional athlete, your earnings depend on many variables. You will most likely experience
More informationThe Value of Our Advisory Relationship SHORE WEALTH MANAGEMENT
The Value of Our Advisory Relationship SHORE WEALTH MANAGEMENT When you were younger, your financial needs were probably straightforward. Maybe you got a bonus from your employer and were looking to invest
More informationCI MOSAIC ETF PORTFOLIOS
CI MOSAIC ETF PORTFOLIOS Greater access. Greater potential opportunity Successful investing comes down to many things, including access to a broad range of investment options. Historically, mutual funds
More informationThe Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement
The Main Line Group at Morgan Stanley Helping Clients To and Through Retirement Two Town Place Suite 100, Bryn Mawr, PA 19010 855-598-6732 / toll-free 610-542-2944 / main 267-744-4100 / fax www.morganstanleyfa.com/themainlinegroup
More informationOUR SERVICE OFFER Comprehensive and competitive group insurance solutions 02228E ( )
OUR SERVICE OFFER Comprehensive and competitive group insurance solutions 02228E (2017-04) Introducing Desjardins Insurance A member of Desjardins Group and a strong financial partner Desjardins Insurance
More informationIntermediary services. Investment expertise for professional advisers
Intermediary services Investment expertise for professional advisers ABOUT US Tilney s support for financial advisers started in the 1990s, although the roots of our company can be traced back much further
More informationWords on Wealth. Welcome to the winter edition of Meridian s Words on Wealth. Meridian W INTER 2015
Meridian Words on Wealth W INTER 2015 Welcome to the winter edition of Meridian s Words on Wealth. The holiday season has passed, which can only mean one thing: it s time to turn (at least some of) your
More informationChristopher Eckert, CFP
Christopher Eckert, CFP Senior Vice President Wealth Management Senior Portfolio Manager Financial Advisor Helping You Through Your Most Important Transitions 320 Post Road West Westport, Connecticut 06880
More informationSUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY
SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY BE YOURSELF; EVERYONE ELSE IS ALREADY TAKEN. - OSCAR WILDE Your life, your needs, your dreams and ambitions:
More informationForm ADV Part 2A: Firm Brochure March 10, 2017
Form ADV Part 2A: Firm Brochure March 10, 2017 80 Washington Street, Building E-13 Norwell, MA 02061 (781) 792-0440 www.dfmwealth.com This brochure provides information about the qualifications and business
More informationThe Michelle Parretti Group at Morgan Stanley. Plan your future, invest with confidence
The Michelle Parretti Group at Morgan Stanley Plan your future, invest with confidence 1 Technology Drive 3rd Floor, Westborough, MA 01581 508-870-7022 / MAIN 888-827-2901 / TOLL-FREE 508-870-7050 / FAX
More informationCase study RRSP to RRIF account. The story of Robert and Elizabeth
Case study RRSP to RRIF account The story of Robert and Elizabeth Effective November 1, 2016, Fiera Capital assumed responsibility for the funds risk management overlay strategy. CI has appointed Fiera
More informationGerry McCaughey President and Chief Executive Officer Annual General Meeting March 1, 2007 Calgary, Alberta
Gerry McCaughey President and Chief Executive Officer Annual General Meeting March 1, 2007 Calgary, Alberta Check against delivery Good morning Thank you for joining us in Calgary for CIBC s Annual General
More informationMANAGED ACCOUNTS. Capital Directions. A guided approach to financial achievement
MANAGED ACCOUNTS Capital Directions A guided approach to financial achievement CAPITAL DIRECTIONS A UNIFIED MANAGED ACCOUNT THAT COMBINES FLEXIBILITY, SIMPLICITY, AND DISCIPLINE With a Capital Directions
More informationWEALTH ADVISORY. Investor Guide. For one-on-one presentation only
WEALTH ADVISORY Investor Guide For one-on-one presentation only experience matters Managing wealth requires discipline commitment, drive, honesty, flexibility and the right resources. At Brinker Capital,
More informationA S P I R E A C T A C H I E V E
THE ART OF FINANCIAL INDEPENDENCE A S P I R E A C T A C H I E V E MENU OF SERVICES At AspireWealth Planners, our mission is to assist our clients in living a life with confidence and financial dignity.
More informationIndependent. Diligent. Proactive.
Independent. Diligent. Proactive. About National Bank Investments Our mission Guided by our 100% open architecture structure, we are dedicated to providing diverse investment solutions to meet your evolving
More information