In light of the inevitable fluctuations of the world's capital markets, how can investors reach their goals and minimize volatility?
That's a question that I deal with every day. I believe the answers come from four key pillars of wealth management.
I strive to develop a deep understanding of my clients to help them with the difficult questions they face about their financial future.
- When can I safely retire?
- How much will my capital be worth after inflation?
- What will I be able to leave to my loved ones?
- Are my charitable goals achievable?
Recognizing that there are emotional as well as financial aspects to the complex decisions clients make, I approach wealth management with both in mind. Charting the proper financial course requires consideration of both financial objectives and individual aspirations to steer toward the success of the investor's overall objectives.
It can be challenging to stay committed to a diversified portfolio. The euphoria of a positive market or the anxiety of a difficult one can drive many investors to make changes shaped by a short-term point of view. Focusing on risk-adjusted returns through a disciplined investment process helps guard against emotional decision making without sacrificing long-term potential growth.
Combining investments that perform differently can produce more return in relation to risk. Effective diversification involves more than buying a collection of different securities and markets. By looking beyond traditional asset classes to help manage volatility, a portfolio should move more steadily over the years, which can be good for long-term growth of wealth.
Money and wealth are deeply personal. When a client chooses to work with me, I understand that they are sharing their deepest goals and aspirations. Entrusting me with your financial affairs is a responsibility that requires empathy and a duty of care. I’m committed to serve my clients' best interests.
How I Work with Clients
As a member of TD Wealth Private Investment Counsel, I work with a talented group of colleagues to provide clients with access to an array of expertise and resources of the TD Wealth and TD Bank Group teams. I create fully integrated and comprehensive strategies for clients, by providing the appropriate specialists to apply their specialized knowledge to a particular situation. This can range from tax management, to estate planning, and to credit and insurance needs.
By combining my accounting, finance, and tax knowledge I’m able to help educate clients and demystify the complex process of capital growth and retirement planning.
Applying TD Wealth’s allocation process brings deep analysis and insight to design wealth and lifestyle capital plans. I believe that by evaluating retirement variables (market dynamics, economics, and taxation), we can deliver tailored strategies that my clients understand and commit to. I feel that this discipline helps increase the likelihood of achieving wealth goals.
Going Beyond the Financial Picture
Getting to know what truly matters to you is our top priority. Applying principles of behavioural finance allows me to dig deeper and understand your personality, your goals, your family, and your motivations.