Whether you are exploring if we are the right fit or you have been working with us for years, here is the experience you can expect from our team.

Introductory phone call

Every relationship begins with a brief introductory phone call. The purpose of this conversation is to learn about you, the type of support you are seeking, and the questions that are most important to you right now. During this call, we will additionally share how our team works with clients and the type of advice and services we provide.

This initial discussion helps determine whether there is a good alignment between your needs and the support we offer.

If there is a strong fit, together we will schedule a collaborative discovery meeting. If we jointly determine there is not a fit based on your needs, we will introduce you to a strong advisor who better aligns.

Three people having a conversation

Collaborative discovery meeting

The discovery meeting is an opportunity for us to get to know one another in more detail. During this conversation we will take the majority of our time together to explore your current financial picture, the goals you are working toward, the challenges you may be navigating, and the lifestyle you wish to live. 

We take time in this meeting to understand the important people in your life, your family, and the professional relationships that support you (such as accountants and lawyers). 
You will learn about the support and services available to you from our team, our planning philosophy, fee structure, community involvement, and our full advisory team with the resources available you through IG Wealth Management.

Following this discussion, we will outline observations and initial recommendations in the areas where thoughtful planning and coordination will add the most value for you and your family.

Planning and strategy development

From here, the planning process typically continues in one of two ways depending on the complexity of your financial situation.

The planning experience continues with a strategy meeting. This is a follow-up discussion to a) review the observations and recommendations provided from the discovery meeting so that we are aligned at the starting gate and b) look in detail at the structure of your financial plan together.

When you are ready, feeling understood and confident in the plan, we then officially welcome you as a client and begin to implement your personalized strategies beginning with the highest value to you areas in a triage manner. This often includes cash flow adjustments, tax strategy opportunities, and investment analysis. Followed by estate planning, insurance review, and protection strategies. You will see the plan value build as we layer in your six financial foundations.

If you have a more complex financial situation, we will proceed through the Private Wealth Planning Experience (PWPE). Situations may include selling your business, business expansion, foreign property ownership, blended family estate planning, farm succession planning, etc. This is a comprehensive planning process that brings together specialists including lawyers, accountants, portfolio managers, corporate lending professionals, and insurance advisors. With these specialists (involving your personal professionals if you choose), we will together build you a coordinated strategy designed to address your primary goals, as well as provide recommendations on opportunities and risks present in your current complex plan. Full analysis will be complete on your investment portfolio, tax filings and status, estate documentation and structure, insurance coverage, and business interests.

After the PWPE, the team will assist and support implementation of the proposed strategies you would like to move forward with.

What a year looks like as a client working with our team

We follow a structured planning rhythm designed to keep your financial plan current and aligned with your goals.

Our goal is to provide ongoing guidance and accountability so that your financial plan continues to evolve alongside your life.

 

Review meetings 

Two in depth meetings each year for personalized financial plan reviews.

  • Early in the year, our conversation will focus on tax planning, investment strategy, and reviewing opportunities that may arise from the previous year’s financial results.
     
  • Later in the year, we will focus on longer term planning considerations such as estate planning, protection strategies, and updates to the broader financial plan.
     
  • Life changes. Tax rules change. Your plan will evolve alongside them through ongoing meetings and proactive advice.

Throughout the year

  • Our team is always available to you via direct access for time sensitive planning needs as they arise through the year (personal and business). Both planned and unplanned. 
    • For planned life and business transitions, our team will proactively lead the follow-up and coordination process per our developed plan. 
    • This support extends to the decision makers (power of attorney, key family or business relationships) in your life. 
       
  • We will coordinate with the other professionals in your life (accountants and legal advisors) on an on-going basis per your preference. This helps ensure your planning strategies remain aligned.  
    • We will retain established CRA viewing authorization to monitor tax filings and track carry forward balances that may influence planning decisions in the future.
       
  • We are happy to extend invitations to education, charitable initiates, and appreciation events (including dinner with your advisor) as they arise. 
     
  • Clients determine how involved they would like to be with technical financial details. Some want to be fully read in, and others prefer our team to take the lead and educate as we go. This can fluctuate over time, therefore we will discuss your comfort and preferences on-going.