This includes family information, income, income needs, assets, liabilities, time horizon, and time horizon for income needs.
The assessment of risk, and personal information should dictate the portfolio asset allocation.
From there, I want to have cash, liquid savings, and safe investments available for any short-term or unforeseen income needs.
I want to own quality investments throughout a client portfolio. I want diversified exposure to United States and international equity markets. Canadian equity market exposure is important, but I want to be mindful of a home country bias. Recognizing that the Canadian economy is limited to only some economic sectors and is cyclical in nature.
With regards to fixed income, the fixed income portion of a portfolio should be well diversified. I want fixed income to not only provide income and some growth, but it should contribute to the overall safety of the portfolio.
I want to take profits and/or rebalance portfolios regularly or when necessary to maintain thresholds for income needs and to maintain a portfolios desired asset allocation. I want to dollar cost average into investments when possible and appropriate.
Work with our Team
Find out what we can do for you. There are no obligations, just possibilities.
Start a conversation