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We provide our clients with personalized financial solutions and advice to help them at every stage of their lives. Our financial services and solutions cover everything from financial planning and portfolio management to tax preparation, insurance solutions, debt management, and will preparation.
Make your money work for you. With premier portfolio management your financial planner will work with you to maximize the investment potential of your RRSPs, TFSAs, unregistered accounts and any other accounts.
Our Portfolio Management Process focuses on three key components to create wealth over time for our clients.
1. A focus on solid large-cap public companies.
2. Dynamic asset allocation using an assortment of asset classes and sectors to improve potential returns while minimizing risk.
3. Pension Style Asset Classes designed to provide strategic diversification and higher risk-adjusted returns
Comprehensive Financial Planning is about getting organized; being in control of your money rather than letting your money control you.
Successful financial planning involves implementing strategies that help you reach your financial goals, be they short-term or long-term. Over the long haul, taxes are quite often one of your single biggest ongoing expenses, and so prudent tax planning is a necessary and crucial step in ensuring that you’re on track to meeting your financial planning goals and objectives. No tax situation is exactly the same, and so your comprehensive tax plan should be based on your personal priorities and goals.
For many individuals, will and estate planning is a difficult subject to discuss and even more so to plan for as it brings up topics of their own mortality. However it is indeed something you need to talk about with your family and loved ones as you can’t obviously do so after you’re gone. Your Financial Planner can work with you to structure your will and estate to minimize probate fees and taxes, ensure that your estate is distributed in an efficient manner, and provide for your loved ones after you're gone.
The right insurance solution offers peace of mind, helping you take steps to avoid perils that could result in a financial downturn. That’s why prudent insurance strategies can play a key role in any comprehensive wealth management plan. Insurance solutions have very unique and specific benefits for both individuals and businesses. We are always ready to identify your options and help you select the right insurance solution for your particular situation.
As a business owner you have a tremendous amount of flexibility with your investments and financial strategies. Having a planner to guide you through choices like:
Generally, business owners and incorporated professionals have many different considerations when selecting financial products, and it can be overwhelming. By having a planner familiar with corporate financial strategies it can shift much of the burden away from you.
Could your business afford to loose you for six months? Six years? If you have a medical event your financial safety could be compromised!
There may be opportunities to develop solutions like this tax efficiently by using your corporation.
As a a realtor you have some unique fiancial stragegies availabe to you.
Comprehensive Financial Planning is about getting organized; being in control of your money rather than letting your money control you.
Some Realtors are very organized with their bookkeeping, others would rather eat a bowl of rusty nails then add up their receipts on a regular basis. This comes at a cost during tax time.
You are your business - could you afford to shut down for six months? Six years? If you have a medical event your financial safety could be compromised!
There may be opportunities to develop solutions like this tax efficiently by using your corporation.
As a business owner you have a tremendous amount of flexibility with your investments and financial strategies. Having a planner to guide you through choices like:
Generally, business owners and incorporated professionals have many different considerations when selecting financial products and it can be overwhelming. By having a planner familiar with corporate financial strategies it can shift much of the burden away from you.
In 1985, Doug moved to Victoria from the community of Kimberley, B.C. to pursue an electrical engineering degree at the University of Victoria. Prior to entering the financial services industry in 2006, Doug enjoyed a successful career in the technology sector with Power Measurement, a local technology firm.
The experience and years of successfully managing his own investments lead him to develop a passion for helping others with their investments, financial and estate planning. Doug’s profession designations include the Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM)®.
Doug enjoys crafting investment and financial solutions that take into account clients’ personal situation, goals, and risk preferences and ever changing conditions in the financial markets. Doug has previously served on the boards of the UVIC Alumni Association, the Keating Out of School Care Society, and the James Bay Child Care Society, and volunteered with the 10th Tsartlip Scout Group. In 2013 he was recognized by the UVIC Alumni Association as an alumni who made a difference.
Lionel has worked in the finance industry for nearly 40 years with his career taking off in business administration in the late 1980’s. During the early years he worked in the mortgage field providing over 500 mortgages for his clients, many first-time home buyers. It was then he realized he had a passion for working with people and helping them secure a solid foundation for their future.
In 2000 Lionel began working with BNS, Scotia McLeod as an investment advisor. This was a great career move allowing him to further aid his clients in securing their future investments.
Lionel and his wife enjoy life on salt spring island practicing sustainability with a small hobby farm including a fruit orchard and nut trees. They have chickens, honeybees and grow as much of their own food as possible.
Lionel also gives back to the community volunteering his time and knowledge as Executive Treasurer with the Salt Spring Island Conservancy. This awesome organization protects and enhances the natural values of the island and its surrounding waters by acquiring land or covenants, and by educating landholders & the public.
Realtors!
A Strategy that protects yourself, and your family, in the event of a critical illness, disability, or even premature death can provide an enhanced level of protection.
A proven wealth management philosophy is one that takes emotion out of the equation and relies on a disciplined, long-term approach. Your objectives, risk tolerance, return expectations and time horizon are key factors in helping your Investment Advisor design a plan that can meet your retirement and other goals.
Your Investment Advisor will help you set and achieve saving goals aligned with your needs and objectives, and develop a borrowing and debt management strategy that optimizes the benefits of leverage for your unique circumstances.
Whether you’re looking to fund a child’s education or returning to school to upgrade your credentials, your Investment Advisor can help you understand your options and maximize the value of a Registered Education Savings Plan (RESP).
Your Investment Advisor will take a straightforward approach to reducing your taxes by leveraging sound investment strategies.
Your Investment Advisor takes an integrated approach when assessing your needs to develop a risk management plan that addresses all aspects of your life – and all scenarios that could affect your financial well-being.
In all Canadian provinces, corporations enjoy a relatively low tax rate. In fact, most business owners and incorporated professionals are better off leaving their retained earnings in a ho...
The best place to save for retirement and grow your wealth may be your corporation, not an RRSP or IPP. Examples below are based on 2021 personal and corporate tax rates for BC taxpayers. Does your business earn $500,000 or less? In 2021, the tax rate on corporate income below the small business deduction threshold of...
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View LinkedIn ProfileEmail DougCall DougDoug developed an interest in investing from an early age. As a teenager, Doug had two careers in mind. Electrical Engineer and Stockbroker.
In 1985, Doug moved to Victoria from the community of Kimberley, B.C. to pursue an electrical engineering degree at the University of Victoria. Prior to entering the financial services industry in 2006, Doug enjoyed a successful career in the technology sector with Power Measurement, a local technology firm.
The experience and years of successfully managing his own investments lead him to develop a passion for helping others with their investments, financial and estate planning. Doug’s profession designations include the Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM)®.
Doug enjoys crafting investment and financial solutions that take into account clients’ personal situation, goals, and risk preferences and ever changing conditions in the financial markets. Doug has previously served on the boards of the UVIC Alumni Association, the Keating Out of School Care Society, and the James Bay Child Care Society, and volunteered with the 10th Tsartlip Scout Group. In 2013 he was recognized by the UVIC Alumni Association as an alumni who made a difference.
Doug is married with one adult child. Doug changes his hobbies from time to time, his current interests include motorcycle riding & tinkering, and keeping fit at the gym.
View LinkedIn ProfileEmail LionelCall LionelLionel has worked in the finance industry for nearly 40 years with his career taking off in business administration in the late 1980’s. During the early years he worked in the mortgage field providing over 500 mortgages for his clients, many first-time home buyers. It was then he realized he had a passion for working with people and helping them secure a solid foundation for their future.
In 2000 Lionel began working with BNS, Scotia McLeod as an investment advisor. This was a great career move allowing him to further aid his clients in securing their future investments.
Lionel and his wife enjoy life on salt spring island practicing sustainability with a small hobby farm including a fruit orchard and nut trees. They have chickens, honeybees and grow as much of their own food as possible.
Lionel also gives back to the community volunteering his time and knowledge as Executive Treasurer with the Salt Spring Island Conservancy. This awesome organization protects and enhances the natural values of the island and its surrounding waters by acquiring land or covenants, and by educating landholders & the public.