I am an investment advisor and wealth management specialist.
I specialize in creating personalized investment strategies tailor-made for each client.

I work to protect my client’s financial situation, and to grow their investments, while at the same time adding value by reducing; taxes and fees. I strive to obtain the highest possible return, with the lowest possible risk, through my investment approach. I take pride in working with my clients to help them understand more about their financial and tax opportunities, so that there is a clear strategy for their retirement and investment objectives.

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OUR  EXPERTISE

Investment Planning

Taxes play a significant role in your overall financial plan. The tax impact of retirement accounts and portfolio holdings should be reviewed often.

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Retirement Planning

Recommend strategies that best suit your income tax, investment, estate and cash flow planning situation.

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Wealth Management

Your first step will be to meet with experienced professionals. Over a series of meetings, we will explore what you wish your estate plan to accomplish.

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TEAM PHILOSOPHY

Our proposed investment philosophy for your situation embraces the importance of customized investment planning and implementation. We recommend the right amount of portfolio diversification across both fixed income and equity investment classes. Your portfolio should strike a balance among managing risk, seeking return and minimizing complexity. That balance shifts with your specific needs, risk tolerance and your understanding of financial instruments. Our number one priority is that you feel comfortable and in control of your portfolio.

Building An Integrated Approach
In creating your personalized plan, we should consider factors including investment goals, tax exposure, estate options and legal considerations. That is why we put a premium on collaboration. Our experts include investment managers, tax lawyers, estate planners and accountants who work together to help you fulfill your goals.

No Plan Is Forever
The parameters of wealth, including the state of the stock market, tax and estate laws, change. So do your circumstances as the result of inheritance, marriage, retirement, birth and death. Though your plan’s framework remains intact, our role is to keep asking the questions you need to be asking and to anticipate any changes in your life and act accordingly.

Conservative Is Simple, Risky Is Complex
Our proposed investment philosophy for your situation embraces the importance of customized investment planning and implementation. We recommend the right amount of portfolio diversification across both fixed income and equity investment classes. Your portfolio should strike a balance among managing risk, seeking return and minimizing complexity. That balance shifts with your specific needs, risk tolerance and your understanding of financial instruments. Our number one priority is that you feel comfortable and in control of your portfolio.

Investing tax smart
It is important to manage the tax costs of investment decisions and not pay government income taxes unless necessary. This is a significant contributor to after tax wealth accumulation. In fact, broker-generated capital gain that trigger taxes are the largest single expense most taxable investors incur. So we should try hard to cap your income tax costs and keep them low.

Fees
Advisors have the ability to customize fees for each client based on the account size and composition of assets. To us, these issues will have the greatest impact on the long term return of your portfolio.
Minimum Flat % Fee


Manulife Securities Disclaimers