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Our planning philosophy
Clarity: aligning your financial choices with your most important goals and your most deeply held values
Confidence: giving you the highest level of confidence that no matter what happens in the markets, the economy or the world that you will achieve your most important financial and life goals
Commitment: putting your "Financial World" in order and keep it that way for your life and for your legacy.
Our investment solution is built on three main pillars:
Capital Preservation: investors are often willing to accept a lower rate of return in exchange for the peace of mind in knowing that their portfolio is designed to withstand rocky market performance.
Tax efficiency: intelligently deploying assets across the various accounts available to an investor (RRSP's, TFSA's and open accounts) allows for returns to be made in the most tax efficient manner. "After tax" returns are the goal.
Low Fees: our approach is primarily fee based so clients know what our advice costs. We structure client portfolios with the full range of investment solutions such as ETF's, individual securities and managed money.
Initial Meeting: Our process begins with the Financial Roadmap conversation. We will explore your most deeply held values and your important goals. We begin with the simple question "What's important about money to you?" We will discuss what you are looking for in an advisor and we will decide whether we are a fit to work together.
Second Meeting: At this meeting we will review our Roadmap conversation and address any financial "red flags" that require immediate attention. We will complete any necessary paperwork and discuss next steps.
Initial Update Meeting: Here will review a personalized draft comprehensive Financial Plan, discuss the assumptions made and play "what if" until the client is satisfied that the Plan reflects their needs and desires. At that point we can begin the implementation process by generating an investment strategy that reflects the clients' time line, goals and risk tolerance.
Further Steps: working with TD's Wealth Advisory Services team we will continue building the comprehensive and integrated plan that addresses all facets of how money affects clients' lives. We will address Risk Management, Tax Planning, Trusts and Estates Planning, Business Succession Planning and, of course, Money Management. We will enter our regular and ongoing meeting schedule that provides for consistent communication to ensure that you gain Clarity, Confidence and Commitment to achieve your financial and life goals.
Daryl has lived in the Edmonton area since 1970. He earned his Bachelor of Commerce from the University of Alberta and holds the prestigious Certified Financial Planner designation. His background in being a business owner gives him a keen appreciation of the challenges and joys of entrepreneurship.
He lives in southwest Edmonton with his wife of 30 years, Ann. They have three children and a huge dog.
Branch Office: (780) 448-8971
Branch Fax: (780) 448-8686
At TD Wealth Private Wealth Management, we believe in taking the time to discover what truly matters to you. You'll have access to a team of the most integrated specialists in the industry who will get to know what's important to you before getting to your numbers. It's private wealth management redefined, brought to you by one of the largest private wealth service providers in Canada.