We prioritize a planning-first comprehensive wealth management approach to effectively help clients achieve their unique financial goals.

Under Canadian common law, the highest standard of care is what’s known as a fiduciary obligation.

It’s an obligation to put the best interests of another person, the beneficiary, ahead of any other consideration.

Just like a doctor and patient, or lawyer and client.

However, unlike those two professions, this only exists for discretionary portfolio managers in the financial industry. The rest follow what is called a best interest standard.

And this is why Herman took the pledge and joined the Financial Planning Association of Canada (FPAC). He pledges to act as a fiduciary in all dealings with clients and always putting their needs first.

We have the privilege of working with clients in Ontario, British Columbia and Nova Scotia.

We provide the most value to established medical professionals (doctors, physicians, specialists with MPCs), and real estate investors (with or without corporations) with families and who love them dearly.

We also believe our network is your network, and our mission is to partner with your team of professionals (tax, mortgage, real estate, home & auto, etc) or recommend you work with ours.

Most importantly, we want to create lifelong, fulfilling relationships with our clients.

Yes, we offer one-time advice-only financial planning for a competitive flat fee. The offering includes cash flow analysis, insurance review, investment management analysis, retirement planning, estate planning, and charitable planning.

We believe a well-designed plan is only as good as its execution so 4 months of implementation support is included as well. And hopefully by then, earned your trust to fill your insurance gaps and manage your assets.

Financial planning is not an event, but a journey, and one that is much better with a trusted guide by your side.

The term ‘Investable Assets’ includes all liquid and near-liquid assets, including brokerage accounts, RRSPs, TFSAs, corporate open accounts, trusts, etc.

It does not include the value of your home, properties, equity in a business, etc. They represent assets we can invest in on your behalf.

Our household minimum amount is $100,000, but we aim to work with clients who appreciate our philosophy and processes.

We take great pride in offering highly personalized financial solutions that carefully balance both protection and growth.

By leveraging proven strategies alongside advanced Canadian-built fintech, we deliver tailored approaches designed to meet your unique needs.

We also prefer to partner with your existing team, or work with some of ours for the best results.

Additionally, we provide valuable perks aimed at ensuring your complete satisfaction both immediately, and well into the long term.

The program is designed for professionals up to age 74 (and their spouse, and children) who really care about their health and their families.

There is no termination age, so long as the policy is renewed and insured is eligible.

There are no health questions in order to qualify for membership as well.

The private medical care benefit has restrictions related to pre-existing conditions. Please contact us for more information.

There are no restrictions relating to pre-existing conditions for the annual executive medical assessment, the CT/MRI access, and Teladoc Medical Experts portion of the program.

We offer single, couple and family packages.

It’s a flat monthly premium (plus applicable taxes) for the program.

If you have a corporation, the premiums are tax-deductible.

Please contact us for the latest pricing.