{"id":427,"date":"2021-09-27T15:42:15","date_gmt":"2021-09-27T19:42:15","guid":{"rendered":"https:\/\/rosengroup.ca\/?page_id=427"},"modified":"2026-10-19T14:46:08","modified_gmt":"2026-10-19T18:46:08","slug":"our-process","status":"publish","type":"page","link":"https:\/\/rosengroup.ca\/fr\/our-process\/","title":{"rendered":"Notre processus"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(9,19,30,0.85) 0%|rgba(9,19,30,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(9,19,30,0.85)&#8221; background_color_gradient_end=&#8221;rgba(9,19,30,0.85)&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/process-header-bg.jpg&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; custom_css_main_element=&#8221;background-position: 50% 42%;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Our Process<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width_tablet=&#8221;500px&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Our 7 Step Wealth Management Process<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Holistic wealth planning goes well beyond portfolio management. Our 7 Step Wealth Management Process is designed to bring together the many elements of a client\u2019s financial life into one coordinated strategy.<\/p>\n<p>Through a customized, written Wealth Management Plan, our team addresses key areas including tax minimization planning, estate planning as it relates to investments, retirement income planning, philanthropy, business succession, portfolio construction and ongoing investment management.<\/p>\n<p>The process begins with five structured meetings with our team, followed by a meeting with a tax lawyer and\/or Notary, where appropriate. Once the plan has been implemented, clients move into a structured review program that includes ongoing wealth planning reviews, portfolio assessments and strategy updates as circumstances evolve.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>1. Discovery <strong class=\"font-serif\">Meeting<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Develop a thorough understanding of the client\u2019s financial circumstances, priorities and long-term objectives. This includes gathering relevant financial information, reviewing lifestyle goals, discussing the services we provide and establishing the foundation for the overall wealth management strategy.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>2. Discussion <strong class=\"font-serif\">Paper<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Identify key planning issues, opportunities and potential strategies. We review scenario analysis, assess current versus recommended approaches and evaluate how different strategies may help improve the client\u2019s overall financial position.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>3. Planning <strong class=\"font-serif\">Presentation<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Present and review the customized Wealth Management Plan. Together, we examine financial projections, recommended strategies, key planning considerations and the steps required to move from planning to implementation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>4. Investment <strong class=\"font-serif\">Planning<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Develop a disciplined investment framework aligned with the client\u2019s objectives, risk tolerance and time horizon. This includes establishing an Investment Policy Statement (IPS), conducting a comprehensive portfolio analysis and developing both strategic and tactical asset allocation recommendations.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>5. Insurance &amp; Estate <strong class=\"font-serif\">Planning<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Review risk management and estate planning considerations to identify potential exposures, planning gaps and opportunities. Where appropriate, we develop strategies designed to protect wealth, improve estate efficiency and support the client\u2019s broader legacy objectives.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>6. Legal <strong class=\"font-serif\">Work<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Coordinate with the client\u2019s legal professionals to review wills, powers of attorney, trusts and other relevant estate planning documents to help ensure they are aligned with the overall Wealth Management Plan.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;900px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>7. Final <strong class=\"font-serif\">Review<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Review the completed strategy and confirm that the recommended planning, investment and estate initiatives have been appropriately implemented. From there, an ongoing review program is established to monitor progress and adjust the plan as the client\u2019s circumstances, objectives and financial environment evolve.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.10.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/cta-footer-background-paralax_2.jpg&#8221; parallax=&#8221;on&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; global_module=&#8221;868&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row make_equal=&#8221;on&#8221; module_class=&#8221;align-center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dsm_typing_effect before_typing_effect=&#8221;Invest in &#8221; typing_effect=&#8221;yourself.|your future.&#8221; typing_speed=&#8221;50ms&#8221; typing_backdelay=&#8221;3000ms&#8221; typing_cursor=&#8221;| &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h2&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;60px&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;48px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_typing_effect][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our ProcessOur 7 Step Wealth Management ProcessHolistic wealth planning goes well beyond portfolio management. Our 7 Step Wealth Management Process is designed to bring together the many elements of a client\u2019s financial life into one coordinated strategy. Through a customized, written Wealth Management Plan, our team addresses key areas including tax minimization planning, estate planning as it relates to investments, retirement income planning, philanthropy, business succession, portfolio construction and ongoing investment management. The process begins with five structured meetings with our team, followed by a meeting with a tax lawyer and\/or Notary, where appropriate. Once the plan has been implemented, clients move into a structured review program that includes ongoing wealth planning reviews, portfolio assessments and strategy updates as circumstances evolve.1. Discovery MeetingDevelop a thorough understanding of the client\u2019s financial circumstances, priorities and long-term objectives. This includes gathering relevant financial information, reviewing lifestyle goals, discussing the services we provide and establishing the foundation for the overall wealth management strategy.2. Discussion PaperIdentify key planning issues, opportunities and potential strategies. We review scenario analysis, assess current versus recommended approaches and evaluate how different strategies may help improve the client\u2019s overall financial position.3. Planning PresentationPresent and review the customized Wealth Management Plan. Together, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-427","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Our Process | Rosen Group Private Wealth Management<\/title>\n<meta name=\"description\" content=\"Holistic wealth planning involves more than just portfolio discussions. 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