Fact Finding

Our approach is to cover the following areas when reviewing a client’s financial situation; investment planning, tax planning, retirement planning, insurance planning, estate planning and cash management.
 
The first step of our process is to meet and gather information.
 
This would include the following:

 

 Personal information Employment information

 

 Dependent information

 

 Completion of a net worth statement – including detail about all assets and liabilities.

 

 Tax return information including RRSP room.

 

 Retirement planning information including desired retirement age and desired after-tax     income.

 

 Information about all life insurance and living benefit coverage (including disability, critical   illness and long term care) that is in place including employment coverage.

 

 Risk Profile Questionnaire – we complete this questionnaire to determine the risk tolerance of the client. This is important to determine the types of investments that will be suitable.
 
Expectations
It is important to know what experiences a client has had in the past and what their expectations are going forward, including rate of return. Realistic expectations will ensure that the start of the relationship is well grounded.
 
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