Introducing Tom Plunkett

Investing for Families

Families change. Every time your family changes, your financial situation changes. You can be prepared, or you can be surprised. My clients prefer to be prepared.

In the best case, your family is planning for wonderful events like births, weddings, graduations and moving to new jobs in new cities. In the worst case, your family is dealing with getting fired, divorce, serious illness or death. And then there are the reconstruction events like blending families, kids moving back in or parents moving to a “home”. Take for granted mortgages, debt and retirement. All have big implications on your cash flow and estate issues, and how your wealth should be managed.

For my clients, I anticipate changes that their families might experience. I build that anticipation into their financial plans and their investment portfolios.

Global Balanced Passive Tactical

My investment style balances clients’ desire for risk minimization with return maximization as follows:

• Global: Reduce risk by diversifying across global major markets, C$-hedged and un-hedged
• Balanced: Reduce risk by diversifying across major asset classes
• Passive: Reduce costs by using ETFs
• Tactical: Increase returns by investing in specific, high-profile opportunities
• Regular Re-balancing: Be deliberate and don’t let your strategy drift
• Tax Minimization: Optimize use of registered accounts, and harvest income in most efficient manner

A financial plan also aids in discovering the most tax-efficient path for growing and harvesting wealth.

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