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Our discovery and wealth management approach is driven by what matters most to you
I help organize and simplify the complicated and busy financial lives of people like you. Offering truly bespoke portfolio management employing risk-factor, endowment, and risk-based asset allocation for high net worth families, medical professionals, trusts and corporations.
I have a firm belief that the families I represent view real risk as a permanent loss of capital and not as price movements of securities in their portfolios, as our industry defines it. This has guided my focus to concentrate on three critical areas.
1. Help manage relative and absolute risk
2. Help manage the effects of taxation
3. Help manage costs
This belief is apparent in my experience with families who have worked very hard to earn their wealth and are looking for allies to help preserve and grow that wealth in the most efficient way that is aligned with their stated goals.
I believe having an Investment and Wealth Planning Policy Statement is the most critical action an individual investor can make with regards to their investment, income and tax planning. Every investor benefits from completing this policy statement as it outlines the ground rules of the relationship between them and their advisor. Specifically it should address and detail the following:
1. Outline of current financial situation and net worth statement
2. Identify your investment objectives and constraints
3. Define Income Planning
4. Define Goal(s)-Based Planning. Specifically your goal is treated as a liability that needs to
5. Define Risk-Based Asset Allocation
6. Determine an appropriate risk allocation mix that is consistent with these investment
objectives and constraints that meet your goal based return objectives
7. Clarify all fees and costs
8. Establish an appropriate reporting and review process
One of the most important functions I facilitate is helping the families and corporations I work with write and implement their policy plan.
1. Individual outcomes and absolute returns
2. Provide income without chasing yield
3. Deliver a better balance between risk and return
4. Offering new resources that are less reliant on the direction of the equity markets
Market Update from TD Wealth's Chief Market Strategist: Brad Simpson Update 2-14-2019
• Investors who prefer to work with a Wealth Professional to manage their assets between $2
million and $200 million.
• Individuals and families requiring the assistance from a collaboration of TD specialists to help
them reach their wealth goals, including:
1. Creating retirement planning goals both in retirement and pre-retirement
2. Maximizing retirement income
3. Transferring wealth in a tax-efficient manner
4. Investing in a cost effective transparent manner
• Self-incorporated professionals, franchisees, medium and large business owners, and medical
professionals requiring the assistance from a collaboration of TD specialists to manage personal
and business assets.
• Estates, foundations, and charitable organizations requiring a professional investment
James has been a member of the Canadian Institute of Financial Planners for over 15 years and is also a member of the Financial Planners Standards Council. During this time he has exclusively worked with high net worth families, trusts, corporations and medical professionals managing their portfolios to help them meet their future personal goals.
To stay current with the ever changing and often complex investment environment James is continuing his education in a graduate level curriculum that covers real-world investment analysis, portfolio management skills, and the practical knowledge needed in today's investment industry. It also emphasizes the highest ethical and professional standards.
James, his wife Nancy and four children call Niagara Falls, Ontario home. Outside of work James can be found at the local hockey arenas in the winter watching his sons at hockey months and cheering his children on the soccer fields in the summer months. As an avid boater and formerly nationally competitive water skier summer also includes time in the 1,000 islands region where he was born and raised.
As an auto enthusiast he is also involved with local cruise nights, car shows, travelling to car auctions with his wife and also looks forward to cars n' coffee monthly. Currently he has undertaken restoring classic cars with his two eldest sons in preparation for them to each drive when they get their drivers licenses.
Tax Planning Resource Library for Individuals:
Tax Planning for Individuals 2018_2019 TD Wealth.pdf
Tax _ Retirement Planning Guide TDAM.pdf
2018_19 Personal Tax Rates and Credits TD Wealth.pdf
Major Canadian Tax Deadlines and Dates TD Wealth.pdf
Helping You Prepare for the 2018 Tax Season TD.pdf
Covered Call Options and Their Tax Treatment TD Wealth.pdf
US Estate Tax and High Net Worth Canadians _ Determining if You have any Liability TD.pdf
Tax Planning Resource Library for Businesses:
Tax Planning for Business 2018_19 TD Wealth.pdf
Non_Eligible and Eligible Dividends TD Wealth.pdf
The Pros _ Cons of Incorporation for Healthcare Professionals TD Wealth.pdf
Ontario_s Challenging Budget Math TD Economics.pdf
Tax Planning Resource Library for U.S. Citizens Living in Canada:
Top 10 Tax Issues facing US Citizens living in Canada TD Wealth.pdf
Financial Planning Resource Library for Medical Professionals:
Investment Planning Resource Library:
Ontario Teacher's Pension Plan Asset Allocation
Economic Resource Library on Currency, Interest Rates and Commodity Forecasts:
2019 Federal Budget TD Economics
2019 Canada's Solo Recession TD Economics
Economic Update 2019 Q1
Estate Planning Resource Library:
Beneficiaries:DoYou Know Who Your Beneficiaries Are?
Toll Free: (888) 444-1136
Branch Office: (905) 528-4220
Branch Fax: (905) 528-6897
Brock University, Algonquin College of Applied Arts and Technology, Canadian Institute of Financial Planning, and the Canadian Securities Institute
A commitment to a strategy that is aligned with your investment philosophy is key to the successful selection of investments for your portfolio. Failing to have a core set of principles can result in an endless cycle of switching from one poor product solution to another. The potential net result: a collection of reactionary ideas that seemed good at the time, instead of a well-tailored portfolio that aims to deliver at all times.
- Brad Simpson, Chief Wealth Strategist, TD Wealth
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.
An investment strategy is an ongoing process that helps to keep the mix of assets in your portfolio aligned with your goals.
Banking & Credit Management
Effective banking and credit management helps to organize your day-to-day financial needs in a way that may save you time and money.
Retirement planning is an ongoing process that helps you prepare for the years leading up to retirement and throughout what can be one of the most rewarding phases of your life.
Protecting your assets
Asset protection is an ongoing part of a comprehensive financial plan that helps to protect what you’ve worked hard to build.
Tax management involves arranging your financial affairs in a way that may reduce your overall tax burden by identifying opportunities to utilize available tax incentives.
Passing on your Wealth
An Estate plan, along with an up-to-date Will, helps you to provide for the family members, friends and charitable organizations that you want to benefit from your estate and sees to it that your wishes are carried out as you intended.
Planning for the cost of education is a process that can help provide your children and grandchildren with the opportunity to pursue the education and training they need to start their own careers and businesses.
Business Succession Planning
Business succession planning is the process of understanding your personal and business goals and preparing your business for the future transfer of ownership and management to your chosen successor.
Planning for Major Purchases
Planning for major purchases may help you accumulate those items you want now and in the future with the least potential cost of borrowing.
A charitable giving plan identifies the most effective way to share your wealth with your chosen charities. By selecting the right method of contribution you may maximize the amount of money the charity will receive from you.
You have questions, I have answers. Let's have a quick chat.
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