Advisory Services
Initial Client Interview
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Discuss personal financial objectives and review existing portfolio
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Provide guidance on overall strategy implementation based on investor profile and objectives
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Review and understand existing and proposed mortgage and investment structure
Review Plan Components and Accelerators
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Explore opportunities to optimize existing debt and cash flows, e.g., consolidation or preservation of existing debt
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Evaluate interest rates on existing debt and determine appropriate timeline for commencing the plan
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Review Cash Flow Cycle components and planned or possible incorporation of any or all of the Accelerators
Develop Comprehensive Cash Flow Management Plan
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Determine and confirm the series of monthly transactions required to achieve the personalized plan's desired outcomes
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Ensure a thorough understanding of the mortgage recommendation and re-advanceable mortgage product/HELOC and related features and how to leverage each unique product
Coordinate with Client Advisors
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Ensure the successful implementation of the personalized plan by acting as the financial point person as the plan progresses
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Coordinate with Client Advisors (e.g. Investment Advisor, Mortgage Broker, Conveyancer, Accountant, Realtor, Insurance Broker) on an ongoing basis as and when required
Implementation and Reviews
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Review the monthly cash flow cycle and confirm payment amounts
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Confirm the non-deductible and deductible proceeds were successfully delivered to the correct accounts and that all mortgage payments, prepayments and investment contributions are set up to be paid from and to the correct bank accounts
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Annual cash flow review and adjustments to ensure the plan remains on track and important
changes/milestone events are properly accounted for