My commitment to making a positive difference in your life begins by listening to your objectives, your dreams and your concerns.

Our singular focus on your needs will result in a common understanding of your current financial situation and your objectives - which may be anything from your children’s education to your own retirement. Once all your goals are understood we can develop your investment policy statement.

I believe in a conservative investment approach that employs diversified asset allocation techniques on a global basis. I endeavor to provide strategies that are designed to be tax-efficient and to provide high quality sophisticated solutions. My goal is to maximize your returns while minimizing overall risk.

In many firms advisors are pressured to sell in-house products whether or not they are best for the client. Canaccord differs distinctly from these companies. Although Canaccord offers many proprietary products and services, I am not under any pressure or obligation to recommend them. Instead I am urged to match your financial goals with the best local and international products in the marketplace.

I will make sure you understand your fee structure by providing complete and transparent disclosure. I will clearly explain what you receive for the fees you pay and you will see that the fee set up is designed to have minimum impact on your accumulation of wealth. You are encouraged to ask questions, and keep on asking, until you understand fully.

You may wish to read two columns I wrote about fee disclosure.

It is my job to keep you correctly invested through different market cycles and to keep you advised about such things as the need for portfolio rebalancing; the requirement for shifts in risk tolerance as you age; or for tactical portfolio changes. If difficult decisions need to be made you will understand the logic behind them because you will receive explanations and guidance that are clear without being either overly simplified or overly complicated.

Financial investment choices may be difficult only sometimes, but they are always personal. Therefore, you can rest assured that our conversations will not only be handled with empathy and tact but also with strict confidentiality. What is said between us stays between us. I want and expect us to have a satisfying and long-lasting relationship, and it begins with earning and preserving your trust.