Your Free Financial Assessment.

Financial Planning

Investment management

Insurance advice

Retirement planning

Tax planning

Estate planning

We are a family based business. We’re independent from the banks and therefore aren’t tied to any product provider which allows us to provide evidence based solutions and match the best products for your unique situation.

• Vikas Tiwari is a Chartered Financial Planner (CFP) and Chartered Investment Manager CIM
• Chandra Tiwari is Chartered Financial Planner (CFP)
• Vishal Tiwari is a Qualified Associate Financial Planner (QAFP) Candidate

We have an aggregate experience of 45 years in the industry.  

Our first intro call is to understand where you are today, and what’s on your mind. It’s “a fit call” to get a sense if working together will be of value to you.

You don’t need anything for our first intro call, this meeting is about getting to know you. We want to understand how you think about your finances and what you want to accomplish.

After our intro call, the next step is the discovery meeting. We want to walk into this meeting with a snapshot of your current situation, so that we can focus on uncovering the goals that are most important to you.

How do we get that snapshot before the meeting? we‘ll have you securely upload some key documents for us to get the ball rolling. Usually this will include some personal information, investment statements, insurance policies, Notice of Assessment, and a breakdown of assets and liabilities.

For professionals and business owners, financial statements and corporate structure would be provided at this stage. This helps us get a decent snapshot of your current situation, so that when we have our discovery meeting we can focus on uncovering your goals related to your finances.

Once we have all of that information, we can start working on your personalized action plan which will be presented at our third meeting where we review your recommendations.

There is no fee for the initial consultation. If we proceed with a relationship after we review your assessment, we will discuss the fees related to your unique situation.

Everyone has their own level of complexity when it comes to their finances. There will never be a one-sized fits all approach, and as such, we assess your current situation and your goals and build a customized plan just for you. Once your data has been reviewed and entered, our cutting edge planning software helps to discover which scenarios are available to you with respect to your plan. We then apply strategies to close any gaps to meet you goals.

"Boring investments are the bedrock of wealth; impulsive decisions are its undoing. Patience builds fortunes, while haste depletes them.” In our experience, managing behaviour is the single greatest predictor of success.

At least annually, however, any major life changes (new job, new house, death in family, etc.) would likely require followup.

Financial plans are reviewed on an annual basis. Of course, we will still be in touch throughout the year with check-in calls and meetings as necessary. Typically we’ll conduct two meetings a year, one with a goals and planning focus, the other with an investment and tax focus.

Wealth management fees are notoriously murky. Today, our fees are generally related to your assets under management (AUM) (i.e. a percentage of your assets, typically around 1.5%). We’ll ensure you understand what you’re paying and why. Separately, if needed, insurance products have their own commission rates. As of today, we do not offer an advice-only fee structure.

We may refer you out for legal stuff, lending, tax preparation, etc. It depends on what additional services you may require to implement your plan but there are no other fees from our side.

We want to work with you long-term and we trust that our clients are committed to their plan. Ideally our clients are providing timely information, attending meetings, and have a communication method we can rely on. This goes both ways, and you can refer to our service details above to get a sense of what it's like working with us.