Investment Advisory Services - Investment Policy Statement
Your personal Investment Policy Statement will form the basis upon which all investment decisions with regards to your portfolio will be made. To prepare theInvestment Policy Statement we will need to take the following steps:
Define your investment and financial goals
Determine your income and liquidity needs
Assess your risk tolerance
Define your portfolio objective
Determine the appropriate asset allocation strategy
Determine asset repositioning strategies
Investment Advisory Services- Portfolio Construction We provide disciplined, diversified and tax-effective investment advisory services that incorporate your personal financial objectives including retirement planning, wealth transfer and charitable donation needs. Portfolio performance is reported at the account and family level. Investment Advisory Services- Investment Manager Selection
Stability and longevity of the organization
Ownership structure
Experience and reputation of the portfolio management team
Quality of leadership and respect in the industry
Investment Philosophy and Discipline
Research and depth of resources and information
Buy/sell discipline
Risk management and downside protection
Performance Track Record
Performance vs. Peer Group and Benchmarks
Investment Advisory Services- Portfolio Monitoring
Daily review of trades and reconciliation of holdings and transaction summaries
Daily monitoring of the underlying components of the portfolio
Monthly performance review
Ongoing conference calls and meetings with investment managers
In-depth quarterly review of investment managers
Periodic portfolio rebalancing to target asset allocation
Annual review of personal investment policy or sooner should there be significant changes to your financial situation or personal objectives
Risk Management and Insurance Services Risk management forms the foundation of your financial planning. We will make surethat you and your family are protected against unforeseen risks and ensure the success of your financial plan by providing the following analysis and services:
Comprehensive review–we will perform a comprehensive review of your existing life, disability, critical illness, long term care and personal liability insurance policies
Review of business insurance strategies -we will review your business insurance strategies, such as key person insurance, funding of buy/sell agreements, income protection, group benefit plans, Health and Welfare Trusts, Health Spending Accounts and personal health insurance plans
Assessment of insurance needs–we will assess your need for insurance in any of the above areas and offer recommendations as to the best type of plan to cover that need
Wealth Management, Retirement and Estate Planning Services We provide the following range of services and solutions that allow you to assess and implement the latest financial planning strategies to help you achieve your retirement goals, preserve your wealth and transfer it to the next generation
Will reviews
Cash Flow Forecasting
Family Trusts
Individual Pension Plans (IPPs)
Retirement Compensation Arrangements (RCAs)
U.S. Estate Planning and Cross Border Taxation Issues
Charitable Donation and Planned Giving Strategies
Succession Planning for Business Owners Establishing and running a successful business is a great accomplishment. Ensuring that the business survives and thrives after your retirement or upon transfer to the next generation is an even greater accomplishment. We help successful entrepreneurs and business owners plan exit strategies that will ensure a smooth transition for the business and realization of the full value of the business upon the sale of the business or their retirement. These services include advice and referral to qualified experts who can provide advice on the following issues:
Business Valuation
Estate Freeze
Management Buyouts
Employee Share Ownership Plans
Grooming Successors
Funding the Exit Strategy
Generational transfer and inheritance planning discussions with all family members and their respective professional advisors
Charitable Donation and Planned Giving Strategies For most wealthy families, philanthropy is one of the most rewarding aspects of their wealthand success. While your charitable donations are motivated by your passion for the causes that you donate to, we will ensure that you take advantage of the best tax planning and financial planning strategies to ensure that your donations are made in the most tax-effective manner by providing advice and help in establishing the following:
Private Foundations
Charitable Trusts
Community Foundations
Social Enterprises
Endowment Funds
Investment management services for funds held in any of the above structure