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Financial 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.

Our Financial Navigation ProcessTM

Our Financial Navigation ProcessTM is about providing a higher level of planning, providing a unique experience to clients that will accomplish two things:

  1. Enable you to be crystal clear about those things in life that are most important to you.
  2. Give you tremendous confidence from knowing you are making smart choices with your money… and seeing the impact on a regular basis.

U Discovery Analysis

One thing we do know is that critical events arise and can have a profound impact on people’s lives.

These events are sometimes predictable and planned but our experience is that they are often random. Being prepared for the different possible events that can occur will give you a greater peace of mind.

Every life will have its own pattern of Critical Financial Events.  By being prepared, we can help you make your life less stressful and as a result, much happier. As such, the discovery phase is an extremely important step in establishing a sound financial plan.

Types of Critical Financial Events

  • Sale of assets
  • Family security
  • Loss of spouse
  • Illness
  • Inheritance
  • Vacation home
  • Kids to college
  • Travel
  • Disability
  • Dream home
  • Sale of business
  • Retirement
  • Birth of child or grandchild
  • Leaving a legacy
  • Divorce

 Road Map to Your Destination

Planning Projections

Based on your life stage and goals, view each year for the rest of your life with all your financial goals, sources of income and targets defined. This exercise will project you into the future and give you direction to demonstrate what needs to be accomplished to meet your goals and dreams.

Portfolio Blueprint

Your Investment Policy Statement sets the stage for a consistent and successful investment experience with no surprises to worry about. Our Portfolio Construction Breakthrough helps ensure that your ideal portfolio strategy reflects your individual profile and life goals.

 The Efficiency Check

Tax Minimization Strategy

Many of us pay unnecessary taxes each year and few financial products and plans are designed to be highly tax effective. Most people only focus on gross return. This analysis will look at net return and optimize your decisions through all of the various tax cycles.

Safeguarding your Future

It would be unwise to put a road map in place for your future without a risk analysis of what could go wrong. This system ensures that your plans are protected in the event of an unforeseen event and allows you to live worry free.

Estate Transfer Process

You can opt to pay large taxes at death or choose to write the government out of your will. This process examines ways to structure your estate to accomplish your goals and leave your hard-earned estate to the ones you love and the organizations you support rather than to the government.

 Complete Financial Direction

A proper financial/life strategy achieves two purposes: it bridges the gap between where you are now and where you want to be and allows you to ACT rather than RE-ACT your way to success. Imagine how you will feel when you have a step by step implementation plan addressing all your key concerns and ensuring that all of your resources are working in harmony towards your life goals.

 Destination Protection Program

Change is constant, and this monitoring program provides a regular review of your plan to ensure that you are keeping up to date. By maintaining a long-term view together with a regular review program you can rest assured your entire financial roadmap will remain on track to meet your goals and dreams.

Would you like to speak to someone about The Financial Navigation ProcessTMContact us today!

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It is our strong belief that to be successful in reaching your goals it is necessary to have a plan in place and to follow a process. That is, to make your life and financial decisions not by accident but by design.

Remember, successful people ACT towards the future they want!

Our Clients

Their honesty and customer service is right up there, with the knowledge and recommendations on where investments should be made. When it’s time for a change Tim is always honest with us on where any changes should be made.

Janet McDonald

To me, it is their personalized service. When something happens, you can go in and discuss your options. The whole team knows your plans, listens to your needs, and can help you make adjustments.

Richard Dumoulin

They are very courteous, friendly and find them very professional. They are good at taking care of time sensitive matters and you get a general sense of being taken care of.

Ginny Blair

The fact they take time to discuss with you their knowledge base, they give you all the options then give you their opinion and let YOU make the final decision.


Their integrity and 1-on-1 communication skills, always personable. Tim and his team make you feel comfortable no matter how much you are investing.


Contact us to


Together, we'll put the right plan in place and get the process started to helping you reach your goals.