First and foremost, Exponent is focused on the long-term success and security of your customized portfolio. We want to make sure you are confident and comfortable with your financial future. Our investment strategy, security standards, and service approach are designed to earn your trust, organize your financial efforts and grow your wealth. We’ll pair you with one of our certified financial planners who can deal with your specific financial aspirations and desired level of engagement. Book a 15-minute consultation and we’ll help ascertain a better plan to manage your financial future.
You will not be forced to sit through a standardized sales pitch touting how wonderful we are. We will have an open conversation where you will outline your dreams, goals and what you want to accomplish.
A financial plan is the foundation for everything else that follows and is one of the most critical steps. Your personalized financial plan is a roadmap providing a clear pathway to how to accomplish your goals.
A team of Portfolio Managers with decades of experience will build a diversified global portfolio designed to meet your cash flow needs in a tax efficient way.
Whether your situation has changed or remains the same regular checkups are important for staying on track.
Your advisor is here to take care of you. Through ongoing communication your advisor helps you to stay focused on your goals and provide guidance. All aspects of your financial health are attended to encompassing estate work, succession planning, insurance and tax efficient income planning.
We want to make sure you have an optimized tax strategy. Our financial advisors will provide you with the support you need on both business and personal fronts. Their vast experience in this field will help you achieve your desired financial goals.
Everything in moderation, they say, and this holds true for a healthy portfolio. We make sure you are adequately diversified across asset types, sectors and geographical markets. This will make your portfolio well-balanced and structured, and you stand to benefit from it.
Your financial needs will change over time, and so will the structure of your accounts. We’ll make sure there is a plan in place for now, and when these changes take place down the road. Our financial management services are versatile, which means your accounts can be re-structured with changing financial needs and requirements.
Established in 2011 Exponent Investment Management is an independent wealth management firm servicing clients from coast to coast. We are not owned by a large bank or insurance company. What does that mean for you? Banks and insurance companies sell products that are designed to generate large fees for the corporation and their shareholders regardless of whether or not these products are the right fit for you. We are different. We listen to you and build simple, diversified portfolios that will help you reach your goals.
Using a proven process that works Exponent portfolios are designed to reduce volatility while providing long term consistent returns. A smoother ride is much more enjoyable and leads to better success overall.
Our fees are transparent and aligned with your interests. You know exactly what you are paying. For information about our fees and performance schedule a consultation here.
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Financial Planning is a two-step exercise.
Step 1: Enumerate your income sources and contrast this tally with your expense total. You can work from monthly or annual depending on your situation. Make sure to include those pesky “one-offs” like car repairs, school activities or holidays. Include everything.
Step 2: Inventory all of your assets that will be used or can be potentially used as retirement funds sources such your RRSP, real estate holdings or other investments. You will then want to identify your current as well as future liabilities. These could include your mortgage or future caregiving expenses for a loved one that you expect to be responsible for.
The outcome of this two-step exercise is a tally of your future expenses and expressed a function of your available assets to fund these (as in the sources of the future cash flows). The answer is binary; you either have enough assets vs your expense, or you do not.
It was once said, “a lack of planning is a plan to fail”. Just as you bring a map (or Google Maps) with you on a road trip, you should have some idea where you want your financial journey to end. If you want to end your journey in a comfortable position and enjoy life, it is much easier to do it with a financial plan.
Absolutely. You should start with a financial plan as soon as you get your first job and want to plan for a wedding, your first home or a trip around the world. As you age, your situation will get more complicated. Taxes, estate issues, combined with less time will make most successful investors turn to a professional financial planner. Remember, this is the first time you are doing this, while the planner will have been helping people in your very same situation for years. What you are paying for is his or her experience. Just like I pay a mechanic to change my brakes even though I can watch how-to videos on YouTube, there are certain things that warrant professional advice. The mistakes are just too costly.
You want to work with a financial planner who is familiar with both your current financial situation and the type of financial health you want to achieve. Some planners work with clients who need guidance on budgeting, others will work with divorce cases or exclusively with business owners. All of these situations are unique. Look for a specialist in the specific area that relates to your situation.
The Certified Financial Planner designation is controlled by FP Canada. They ensure that the professionals who obtained this designation have demonstrated a good level of financial planning knowledge through the examination process, and ensure that the holders adhere to a code of ethics conduct and pursue a continuing education path.
That question brings on a whole host of other questions. The short answer is that your savings should be a function of your expected withdrawal from those savings at a later date. Saving is about forgoing current spending now so that you can spend it later. In the meantime, you invest your savings so that they can grow and fund your future spending. However, there are no rules of thumb, hence, you need to go through the financial planning exercise to answer this question.
A good financial planner will ask you for the information they require. The additional information required will be in essence your life plan – How do you want your professional and personal life to unfold? Where does your financial situation fit with this life plan?
Ideally, a financial plan should be reviewed every three years. You should go through the planning exercise, or at least a portion of it every five years or as your personal situation evolves.
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