A new standard of portfolio management

Portfolio Management


At retirement, your whole financial life essentially boils down to one binary question:

Will your money outlive you, or will you outlive your money?

Most people aim to achieve a comfortable retirement. They often focus on reaching a specific asset level or rate of return to reach that asset level.

However, very few people consider that the only real goal is to stay comfortably retired.

At trendline inflation, the cost of living will rise between 2 ½ to 3 times during the average retirement period. That is, it will cost about $2.50 to $3 in the 30th year of retirement to buy what a dollar bought in the first year.

If you do not have a plan to increase your income by as much as your living costs go up in retirement, then you really only have a plan to run out of money.

Our portfolio management process is not designed to protect a dollar; it is entirely focused on protecting what your dollars can buy.

Rather than following traditional asset allocation techniques, which are really designed for pension plans, we apply a logical process for investing in assets, securities and techniques that increase their regular income organically. Increasing your income is part of their nature.

Further, our Cascade Portfolio Process™ allocates your investments based on your lifestyle and cash flow needs so that your money is clearly aligned with your plans.

Finally, we believe that even the best performers need coaching to reach their goals. We regularly educate our clients so they become better investors. Our goal is not to outperform the market; it is for you to outperform your own investments.

The most widely recognized financial planning designation in Canada and worldwide, the Certified Financial Planner® designation provides assurance to Canadians that the design of their financial future rests with a professional who will put their clients’ interests ahead of their own. CFP certification is considered the standard for the financial planning profession worldwide. CFP professionals have demonstrated the knowledge, skills, experience and ethics to examine their clients’ entire financial picture, at the highest level of complexity required of the profession, and work with their clients to build a financial plan so that they can Live Life Confidently™.