Financial Planner Serving Academics

Cash flow management is the cornerstone of sound financial behaviours. The first thing I teach my clients is to pick what you spend, not what you save or invest. Creating a money management framework is your first step toward financial freedom.

How do you make decisions? Most people weigh the pros and cons. With finances, however, it isn’t easy to see the long-term consequences of a decision. Networth projections help attach something tangible to a choice. Do I spend $60,000 on this new truck, or do I wait two more years? Does it affect my ability to meet my goals in the future, or does it not matter? These are the types of questions we’ll answer using net-worth projections.

Ethical investing means different things to different people. From halal investing to fossil-fuel-free investing, I specialize in aligning your portfolio to your values. Beyond the personal side of ethical investing, I incorporate an ESG (environmental, social and governance) responsible approach in all of my recommendations based on the belief that better quality companies will rank higher in these areas.

Education is expensive, but it can also be life-changing. We need to plan for it.

Retirement, for many, is the time when they can live life on their terms. Unfortunately, many still spend it with financial constraints restricting what they want to do. I help prepare and guide you through retirement, removing these constraints and worries and providing peace of mind.

The majority of wealthy individuals see giving back as a duty, such as supporting their local church or the local symphony. Perhaps, it’s giving to the children’s hospital or a dog shelter; many of these are noble causes. These gifts can be planned for, giving you the ability to financially maximize the contribution to both you and the receiving charity.

Taxes are unavoidable. Minimizing your portfolio’s tax burden is essential because unnecessary taxes on a portfolio will cause lower returns. We will use many strategies to control this, from delaying capital gains, tax-loss harvesting, correct asset location, and account selection.

For many, their pension plan will be the largest pool of money they have. Ensuring it’s invested with your pension provider appropriately can have massive consequences. The difference between retiring early and not being able to retire can be the tick of a box in your welcome package.