21 Water St. West, Suite 1
Cornwall, Ontario
(613) 932-7526
Ming & Associates - Independent Financial Consultants
Independent Thinking Working For You

Your Independent Financial Planners

As experienced independent advisors, we’re well positioned to help our clients make sound financial decisions while avoiding costly ‘knee-jerk’ reactions.

Strong relationships are the key to our success

It’s no secret that the key to our success is our focus on maintaining close relationships with our clients to better understand their goals, needs and life-changes. Life has a funny way of changing directions on a dime. Having a close relationship helps us react to those unexpected changes properly and stay focused on your goals.

We feel that if you understand us and our philosophy as a financial planning firm, it will allow us to provide better service to you. Appreciating what we do and what makes us different will allow you to more easily communicate your needs to us.


1) Who Are We?

Ming & Associates is a leading wealth planning firm established in 1996 dedicated to providing quality financial planning advice to small business owners, professionals, and individuals focused on successful retirement. With over 60 years combined experience in Financial Planning, Banking and Investments we are well positioned to help clients make sound financial decisions.


2) What Do We Do?

We want to create a relationship with our clients, get to know who you are and what is important to you. By enhancing our relationship, we are able to better serve you in the capacity you require, whether it is investment advice, goal based planning, insurance, tax planning or banking products. Our guiding principles and practices help us give our clients the confidence they need to make smart financial decisions enabling them to live life to the fullest.

We are guided by three principles:

  • Faith in the future
  • Patience
  • Discipline

By instilling these principles in our clients, we are better able to help them achieve their goals utilizing our three proven practices:

  • Proper asset allocation
  • Disciplined diversification
  • Behavioural approach to financial advice

We want to work together so that you have confidence in your future and can live your life to the fullest. We then back this up with personal service and people who care.
+ Learn more about our Philosophy here


3) Why Are Our Principles And Practices So Important?

It is proven time and again that there is a huge variance between Investment performance and Investor performance. That is to say that investment returns over time have tended to be dramatically higher than what most Investors actually earn. This is generally due to a lack of following guiding principles and practices and reacting to external events. Given the chance, we will educate our clients on the importance of following these principles and practices and taking control of their future.

+ Read more about Our Guiding Principles
+ Read more about Our Effective Practices


4) What Makes Us Different?

As successful independent business people ourselves, we understand first-hand how success comes from proper long-term planning. Our behavioural approach to investing is based on our principles and practices, which if followed, ensures you have confidence in your future and that your investment needs are customized to you. While not everyone needs in-depth planning, our approach to planning is based on our proprietary 5-step Financial Navigation Process which ensures that your plan is customized to your needs and integrates and optimizes investment, tax, insurance and estate issues. The depth of analysis behind our recommendations sets us apart from our competition. We then help clients implement these recommendations through major investment management firms, banks or insurance companies at a cost generally lower than most competitors.

We take this skill and experience and add a friendly, sincere and caring approach to service, which makes our clients feel comfortable and confident in their decisions. We firmly believe that it is paramount to be honest and fair in all dealings and recommendations.


5) Why Should You Do Business With Us?

  • Our team cares about you and your success! We are always available to talk and give guidance as life unfolds.
  • Our independence means we can provide you with the product/service you need from almost any financial service provider at a very competitive price. We are diligent in seeking quality products at the lowest possible cost.
  • Our plans provide you with proper guidance relevant to you. Our Financial Navigation Process ensures you get and remain on track to realizing all of your life goals.
  • All of our investments are implemented on a no-load basis. Clients do not pay to purchase, redeem or switch between investments. We derive revenue solely through the service fees paid to dealers from existing management fees on investments, similar to how banks are paid when you purchase an investment there. We try to avoid fees and commissions to clients wherever possible.
  • We enable you to have more time available for a better quality of life so you can enjoy the things that are important to you. This is our real value!


6) Who Do We Do It For?

Our ideal client is someone who wants to delegate their finances to a competent, trustworthy professional team. Our clients are serious about making smart choices with their money and are genuinely nice open-minded people who enjoy life. You are willing to discuss your financial circumstances openly and honestly and your behaviour will reflect that of a long-term investor, not a speculator (If you aren’t sure what the difference is just ask!).

Contact us today for a no obligation assessment of your financial future!