ESG Investing, Estate Planning, Fee Only Financial Planning, Investment Planning, Private Real Estate Investing and Retirement Planning services, provided by a Certified Financial Planner (CFP), Chartered Investment Manager (CIM), Chartered Professional Accountant (CPA) and a Certified Treasury Professional (CTP), with an excess of 20 years experience in the capital markets and alternative market investing (ie. real estate).
Our services, which the owner has Certification in ESG Investing, conferred by the CFA Institute, are priced in Canadian dollars, for both American and Canadian clients and is about 30+% cheaper than the USD.
DJIA vs Federal Funds rate 1966-1977
With a financial plan, you have a better chance of closing your own personal wealth gap.
Central Banks panic interest rate easing, September 2024.
Global Equity markets at ATH's / Blowoff Top - September 2024.
Long dated American 10 year Treasuries returns at 62 year lows. While $600 billion of American Treasuries held by American banks, not marked to market, with current losses not reported in the financial statements.
Welcome to our Fee Only Financial Planning & Fee Only Retirement Planning Services website, which is fully functional in all languages.
Have a financial goal but not sure how to get there?
Having a plan helps you make the right decisions when it comes to market volatility or even making big purchases. It helps you stay on track.
Our Mission, to help folks reach their financial goals, by first implementing a Budget, which will be sustainable during these Inflationary times.
Additionally, we help Canadian Armed Forces (CAF) personnel, Charities, military service members, Non Profits, veterans and their families plan plus First Nations / Indigenous people's, pursue and maintain financial independence.
Welcome to our website
Our Comparative Advantage, is that we have been a continuously licensed broker from the mid 1980s until 2011, pricing in Canadian dollars which is approximately 35% lower than the USD and utilize Technical Analysis and Elliott Wave Analysis, to determine the Directional Trend and Strength of that Trend.
We utilize research from Bank of America, to confirm our Technical Analysis of the Capital Markets.
This is the same Investment Research approach used by a Nasdaq firm, as above link illustrates and demonstrates that the market is inefficient given that few are aware of technical analysis or Elliott Wave analysis.
One must study historical financial events to understand / forecast future financial events.
The crash in American Yields for the week ending August 2, 2024, has only occurred 3x in the past 50 years - 1970s, 2000 and 2008.
All three periods, were experiencing a Bubble stock market and high Inflation / Rates.
The week ending August 2, 2024, was an epic Historical event for the capital markets.
Nearly all of the decline in the S&P 500 in 2022 was due to the P/E multiple declining from about 25x to 18x as future confidence declined and required rates of return increased. In the 1970s, P/E multiples declined from 20x to 7x as short-term Fed Funds rate went from 3.5% to 13% and ultimately as high as 20% under Fed Chair Paul Volcker in the 1980s. That was quite a rough economic period!
Current Market Breadth of the market , seems weak.
Volatility is not constant, but it mean reverts. Volatility tends to stay low for some extended period of time until a market shock occurs.
In equity markets, volatility tends to increase as price levels decline.
During periods of market stress, it is often said that correlations go to one.
Diversification techniques, used during Bear Markets of last 42 years no longer work as it was a declining interest rate environment back then.
Stocks dont typically rise in years when Bonds drop in value as is the case now
The last time the American Bond market experienced 3 down years like the current instance was back in the 1780's.
We offer at a reasonable negotiated fixed cost, starting generally at $1,000 Canadian dollars, depending on complexity, whether your an American or Canadian, the following high value added services:
A). Fee Only Retirement Planning / Fee Only Personal Financial Planning services.
We utilize the Capital Asset Pricing Model, Elliott Wave Theory, Fundamental, Political analysis, Technical analysis & Volatility to justify our asset allocation recommendations. For example, it is imperative to know the current price Trend of any asset and what stage we are at in the current price Trend.
Using Morningstar's Encorr, institutional grade portfolio optimization software, to do asset allocation based on derived return and risk.
Liability Driven Investing, can be utilized to design a proper investment outcome. For example, given that one knows the amount that they require at Retirement one can invest in Real Estate using a mortgage to purchase the real estate. The Rental Income funds the mortgage payoff.
The firm is not licensed with any Securities Regulator to sell or recommend any security, therefore we will provide recommendations based on asset class weightings derived from securities indexes only ie. Nasdaq Composite etc..;
B). Drafting Investment Policy Statement for Individuals, Charities and Non Profits.
As a trusted partner of both companies and investors, we are driven by an informed belief that Environmental, Social and Governance issues matter and that businesses that incorporate them into their decision-making stand to thrive over the long term.
The companies you invest in could be the antithesis of your ideals. "Are you funding what you are fighting?" That's where environmental, social and governance -- or ESG -- investing comes in. Some jurisdictions are now claiming that consideration of ESG is a Fiduciary Duty.
ESG factors, should be considered as part of the Fiduciary Duty, otherwise one could face legal action as did American Airlines.
ESG and Derivatives
The effectiveness of ESG investing in equity markets operates on the premise that investors can influence a firm’s investment and production decisions by impacting its funding costs. In theory, broad divestment from firms with poor ESG characteristics will exert upward pressure on their cost of capital, making new investment less attractive. Likewise, when investors are willing to pay a premium for companies that are deemed more responsible and sustainable, this will reduce their funding costs and encourage investment by them.
A similar ESG reasoning can be applied to derivatives. Although most derivatives markets do not provide direct funding to firms, access to derivatives can impact corporate production and investment decisions because derivatives facilitate risk management (hedging). The ability to lay off risk in the market enables firms to be more aggressive in pursuing investment and production decisions. Investors can influence the terms at which firms can attract hedging capital, by selectively reducing their participation in derivatives markets that trade risks with undesirable ESG characteristics.
In both cases, ESG screens aim to raise the cost of engaging in undesirable activities, either through the cost of funding or through the cost of hedging.
Water Shortage, is a key Risk going forward.
Where Water Stress will be highest by 2050
Drought conditions in Canada
Investing in the Blue Economy: The Rise of the Blue Bond
C). Divorce and Finances - Divorce Financial Planning for the settlement. It is best to have intelligently made settlements;
D). You may be a portfolio manager, insurance agent, accountant or lawyer with expertise in whatever it is that you do best, but you encounter financial planning issues where you or your clients need help.
We can provide that specialized Fee Only Financial Planning, Fee Only Retirement Planning services expertise on an ad-hoc or ongoing basis.
Working with us can be more efficient than the cost and complexity and trying to develop your own financial planning department internally.
We can provide our services on an exclusive per annum basis , or the prorata amount of that rate on a Part Time basis.
We invite you to call or meet with us, on a complimentary basis, to determine how we might be able to help you.
About Us
John, initially considered the Military as a viable career option and was an enlisted member of Canada's militia, The Queen's Own Rifles, in Toronto and earned General Military training before he attended the Business School, at the University of Windsor, across the river from Detroit, Michigan, at the same time as the former CEO of Chrysler / Ferrari / Fiat attended.
The military, teaches one the importance of discipline and strategy.
The University of Windsor was unique back then, as it had a substantial number of Professors that were leadership in Michigan. For instance, William Paton, CPA of the University of Michigan, who taught Accounting Theory at Windsor and his father developed Price Level accounting decades before.
We had leadership from the Auto industry, who taught about using the Barter trade with the Arab states, to trade automobiles etc..
John, commenced his career at Davidson Partners Ltd., Investment Dealers , Toronto, Ontario, in the 1980s, as a Money Manager. During my time at Davidson Partners Ltd, I did my own fundamental research on various industry sectors ie. travelled to Boston, during the late 1980s, to research the change in interstate banking laws in New England and the impact on mergers & acquisitions of financial institutions.
That was the beginning of computer generated trading and he learned the use of Technical Analysis to enhance returns and minimize losses.
Experience with a complete market cycle, both a Bull and Bear market, should be the minimum required to provide credible guidance to clients.
The principal of the firm, John, has numerous years of experience working in the field of finance. In the capital markets, as a money manager, utilizing his own fundamental research and technical analysis. since the 1980s and 3 market meltdowns.
The financial management (business plans, raising capital & tax risk minimization etc.) of private equity type firms.
Added profit to the bottom line of exporters/importers by providing currency analysis & active management of foreign currencies. One firm was a global exporter of breeding pigs to China, Korea, Russia and the USA.
Hands on, 27 years of experience, in so called alternative investments (farmland, real estate development projects, commercial & residential rentals) building wealth for his clients. I considered the real estate market in Miami, Florida, during the GFC of 2009.
Recent experience as a Court appointed Estate Executor and conferred the CFA's Certificate in ESG Investing.
In the meantime, developing an apple orchard in the Moncton, New Brunswick region, which is close to Halifax and Boston.
Bachelor of Commerce
University of Windsor
Certified Financial Planner
CPA
Investment Policy Statement
The critical document that must be drafted and approved by the client. A great source about Technical Analysis can be discovered at the Chartered Market Technician Association's site
Stockbroker License
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