Our way of workingIndividual

Our way of doing has been crafted with many years of experience and is today a process that stands out.

From the identification of your objectives to the monitoring of your progression after the implementation of the action plan defined by your advisor, our strategy is personalized and humane in order to represent you as faithfully as possible.



1. Identification of Objectives

This preliminary step to better understand your situation allows us to discover your short, mid and long-term needs as well as your concerns.


2. Gathering of Relevant Data

We look at past decisions and examine to what extent they can lead you to where you wish to go.


3. Identification of Improvement Opportunities

For a full series of analysis, we look at how to accelerate the achievement of your personal and financial objectives.

These steps can be translated into components within our analysis sphere. Based on the objectives, we can perform all or only some of the processes.

Step A

Cash and Assets Analysis

At this step, we look at your various sources of income as well as monthly and yearly obligations. We also look at how you have used credit and the effect this has on your financial life.

Step B

Death Risk Management

This analysis affects all of your family. We evaluate a range of risks as varied as:

  • first expenses following a death;
  • loss of revenue following the death of a family pillar;
  • payment of creditors for the survivors;
  • cost of share buybacks between spouses in regards to your testamentary intentions (stepfamilies);
  • payment of taxes arising from a death

Step C

Disability Risk Management

Understanding the impacts on your family of the disability of one of its members.

Calculation of monthly loss of earnings and additional expenses resulting from a disability or illness.

Analysis of the solutions already implemented to achieve the projected goals.

Step D

Retirement and Asset Allocation Planning

Today, retirement can be a period as long as a career. This reality puts enormous pressure on saving during our working years, hence the importance of a good plan. We project your assets in the future in order to see if the pace of savings and growth will be sufficient to achieve your objectives.

We then study your entire asset portfolio to understand its strengths and weaknesses. This is done in parallel with your capacity to take or not take certain risks to analyze if your current strategy can be detrimental to you in the long-term.

Step E

Tax and Estate Planning

You have an array of experts close to you; we can also be a part of them.

We offer you an external opinion on your situation. The goal is not to replace the people you trust, but to offer a second opinion to ensure that all of the legal and tax aspects have been considered, even those that might sometimes go unnoticed:

  • analysis of your devolution strategy in the event of death;
  • analysis of the tax effectiveness of your structure;
  • analysis of estate cash flow to cover estate tax.

4. Presentation of a Financial Plan and of an Action Plan That Target Your Priorities

After one or all of the analysis, the time has come to examine your options to improve your situation and to prioritize them, all the while considering time and cash flow constraints to get it all achieved.


5. Action Plan Implementation

At this step, we put all of our energy on the implementation of our recommendations and the creation of the value attached to our recommendations. In sum, you are on your way to achieving your objectives!


6. Progress Follow-up

To maintain an updated plan and to ensure that we are always complying with your objectives, we proceed to a review of your plan and of the results according to a schedule that is suitable to you and your situation.