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A Message For Potential Clients

09.16.25 // Announcement // Blog Article

Odds are you’re here because a friend, family member, or colleague mentioned us. Or maybe your accountant or lawyer suggested you get in touch. And because you’re a reasonable person, you came to our website to see what we’re all about.

This note is here to help you decide whether you should give us a shout.

What We Don’t Do

  • We don’t pay attention to current events. We’re market historians, not market prophets.
  • We don’t make sales pitches. We offer advice. If you want to take it, we’d love to work with you. If you don’t, that’s fine too, and we wish you all the best.
  • We don’t believe in market timing. We endure. And sometimes enduring market volatility hurts like hell. But in the long run, it’s worth it.

What We Do

  • We keep things simple. It’s important that you clearly understand our advice. Making things complicated is easy. Keeping things simple is tough.
  • We focus on what we know. No one can predict the future. History provides us with the only tools we need to plan for the future.
  • We are proactive. We don’t react. Reacting is easy. We stay calm when everyone else is losing their minds.

How We Work

Putting this into practice is straightforward. Here’s what to expect:

Step 1: A 15-minute phone call. We want to know exactly what you’re looking for. If we can help, we’ll book our first meeting. If we can’t, we’ll put you in touch with someone who can.

Step 2: The first meeting. We don’t ever give advice at a first meeting. Instead, we’ll cover:

  • What’s important to you from a financial perspective
  • Your cash flow, net worth, tax and estate plans, insurance (unfortunately), and how you view risk
  • We’ll wrap up with a quick explanation of what we do, what working with us will look like, and how we get paid.

Step 3: The second meeting. We’ll review everything from the first meeting and put action items in place that should improve your financial situation. At the end of that meeting you can:

  • Take what we’ve shared and do it yourself
  • Decide to work with us
  • Or take more time to think about it

If you need time, we’ll schedule a quick third meeting to make sure everything is clear.

Step 4: Moving forward. If you decide to work with us, we’ll open your accounts, transfer existing accounts under our administration, and start working on those action items. Once your assets have arrived, we’ll finalize the initial steps and confirm what we’ll need to follow up on next.

Step 5: Between December and March each year, we’ll meet to make sure things are as they should be on the financial front.

What It Costs

We get paid a percentage of the assets we administer on your behalf. You don’t write us a cheque. The fees come out of your investment accounts monthly.

The percentage can be as high as 1.25% or as low as 0.5%. It depends on the complexity of your financial situation and the value of your accounts

Final Word

Our job is to keep things simple, focused, and proactive so you can focus on living your life. If that sounds right, give us a shout.

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