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Here at Harper Private Wealth, our wealth management process is guided by a disciplined philosophy based on the investing principles of Nick Murray and the simple yet effective views of Warren Buffett.
If practiced together, we believe these six variables benefit the long-term, goal-focused investor to achieve the desired investment outcomes that support their financial plan. These six variables include three values and three basic portfolio strategies:
History tells many compelling stories about why this first belief is critical to successful investing. The resiliency of good businesses is evident throughout history, and the benefits of owning, not loaning.
When the pattern of history reasserts itself as it always has, we believe: “If your goals haven’t changed, don’t change your plan; if your plan isn’t changing, don’t change the portfolio.” Never mind what’s working now, try to stay focused on what’s always worked in the long run.
A disciplined approach to investing comprises a set of guidelines and tried and proven rules that are adhered to no matter what. This includes the ability to not do the wrong thing, most notably panicking out of the markets at a moment of maximum pessimism and avoiding the temptation to bet the farm after a big run-up in the market. Instead, stick to the plan.
Simply put, it’s the percentage of equities versus fixed income (bonds, GICs and cash) in your portfolio. This raw number will likely dictate your lifetime investment return.
Proper diversification within asset classes, industry sectors, and geographic regions is essential in managing risk and delivering appropriate returns over one’s investing lifetime.
This ensures a proper asset mix that matches your financial plan. Some rebalancing by money managers also occurs when industries, individual shares, or both become overvalued.
Total Wealth Management is a comprehensive approach to help you achieve your goals. The focus of our first meeting is YOU. What is important to you? What are your goals? By when would you like to achieve them? What is your time horizon? We learn about you and your goals to help us construct an effective financial plan.
The financial plan determines the asset allocation of your investment portfolio, which is a calculated weighting of equities and fixed income (bond, GICs and cash) based on our discussions of your time horizon, investment needs, and risk tolerance to help you achieve your financial goals. This raw number will likely dictate your lifetime investment return.
A financial plan gives you the confidence to make sound financial decisions and the freedom to live life the way you want. It also provides a clear roadmap for your future by addressing all aspects of your financial situation.
Wealth management extends beyond investment advice and money management, helping you protect your lifestyle, manage your nest egg, plan your retirement, and create your legacy. We guide you and your family through each life stage by helping you understand the various financial issues, concerns, and opportunities as they arise.
Gain access to the full spectrum of investments, including stocks, bonds, and the best money management and insurance solutions in Canada, including forward-thinking solutions to bring you peace of mind, now and for the future.
Our Chief Market Strategist, Dr. James Thorne, provides in-depth monthly Wellington-Altus Private Wealth economic commentaries, sharing his insight on global economic, political, and financial market events and their short and long-term portfolio implications.
Our advisors, along with the resources of Wellington-Altus Private Wealth, liaise with an extended team of experts on your behalf, including wealth planning and insurance professionals and tax and estate specialists, to address your financial, retirement and wealth transfer needs and ensure your wishes are adhered to.
You can expect the highest level of service and advice to assist you and your family in managing the complexities of your wealth.
