Our 7 Step Wealth Management Process

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’s 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.

Develop a thorough understanding of the client’s 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.

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’s overall financial position.

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.

Develop a disciplined investment framework aligned with the client’s 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.

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’s broader legacy objectives.

Coordinate with the client’s 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.

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’s circumstances, objectives and financial environment evolve.