We believe in and embrace three fundamental principles: investment management, wealth management, and behavioural finance.
An ability to focus – with an exceptional degree of clarity and concentration – on the financial goals of our clients is fundamental to the growth of our practice. We live in a world of distraction and noise, particularly financial media noise. Staying calm, maintaining composure, remaining objective – thinking rationally, in other words – is the defining characteristic of successful long term wealth management.
Investment and wealth management is about being systematic. It’s a disciplined, step-by-step process geared to deliver sustained results. There are no shortcuts. And since portfolio performance is only a part of the total wealth building picture, we take care to create interlocking strategies – including wealth planning, tax minimization and much more – designed to maximize and retain your gains.
People like to work with people they like. As a result, getting to know our clients extends well beyond the bottom line. We build relationships from the ground up so that the foundation is secure and – above all – long term. Behavioural finance is about self-knowledge. Investors are prone to biases, some more dangerous than others. Recognizing and eliminating those biases is one of our most important tasks.
Understanding your financial goals is our first priority. Building a plan to help you reach them comes next. There are no certitudes in investment management. The playing field shifts, day-by-day. Based on the consistent application of proven financial and investment management principles, we will do everything in our power to enable you to preserve, protect and build wealth.
Our clients include individuals and families, executives and professionals, business owners and entrepreneurs, pre-retirees and retirees, charitable organizations, and estates and trusts.
While each client has unique needs, a common thread is their desire to collaborate with someone who can align their financial strategy to the goals and dreams they have for the future.
Guides, advisors and financial confidantes – while we look after families in all life stages we specialize in extended family and intergenerational planning.
The financial challenges associated with helping our clients transition from work to retirement is also a particular focus of our practice.
We adhere to the principle of total wealth management. Though vitally important, investment planning and portfolio building represent only a part of the financial experience we provide for our clients.
What follows is a summary of the services we offer, each of which is deployed to meet the specific, defined objectives of every individual client and family we advise.
- Investment planning
- Portfolio management
- Retirement planning
- Intergenerational wealth transfer
- Legacy creation
In addition, the following is a summary of the services we offer supported by TD Specialists, each of which is deployed to meet the specific, defined objectives of every individual client and family we advise.
- Business succession advice
- Tax minimization strategies
- Estate & trust strategies
- Private banking solutions
- Customized credit
- Philanthropic planning
Successful investing is not about exceptional intelligence. It’s about temperament. As students of behavioural finance, we are skilled at enabling our clients to resist making emotional investment decisions that undermine their financial interests.
Behavioural finance deals with pervasive, deeply rooted biases that influence decision-making. Left unrecognized, such biases can have devastating negative consequences for long-term wealth accumulation. It follows that how we work depends upon our understanding of you.
Collaborative and personal, our proven process encompasses a series of systematic steps leading to a completely customized strategy for every client we advise.
Discovery & Planning
We develop a profound understanding of your overall personal, professional and wealth building goals. Forensic and exhaustive, our approach is designed to present you with strategies and solutions that align with your unique goals.
Proposal & Performance
We construct a long-term investment and wealth plan consistent with your goals, risk tolerance and time horizon. It's discussed with and approved by you. Once implemented, is monitored carefully, reviewed regularly, and rebalanced as necessary.
Reporting & Review
You will receive regular portfolio review statements, transaction updates and tax reports. These are supplemented by portfolio review meetings and timely discussions designed to keep your investment strategy on track.
Investment Advisor, Assistant Branch Manager
Born and raised in Edson, Lorraine has worked with the TD Bank Financial Group for most of her professional life. During her career, Lorraine has worked successively as a customer service representative, a financial services representative, a business development manager, and an investment advisor.
Her focus, always, is in making a positive difference to her clients' financial health and working with each one of them – closely and personally – to achieve it. Lorraine’s clients frequently mention that one of the reasons they like working with her is because she is able to distil complex financial and investment issues into simple ideas and language they can easily understand.
A graduate of the University of Alberta (BA Psychology), Lorraine has also completed a Human Resources Management program. In addition to earning her FCSI (Fellowship of the Canadian Securities Institute) designation, Lorraine has also earned the CIM (Canadian Investment Manager) designation.
Committed to the professional advancement of women, Lorraine co-leads the Women in Leadership program for the TD Private Investment Advice (Prairie Region), and she is both a member of the Women in Leadership program in the Edmonton area and of the “One TD” internal business initiative. Lorraine is the Assistant Branch Manager at the Edmonton office of TD Private Wealth Management.
In her spare time, Lorraine enjoys spending time with her family and friends and pursuing her personal fitness goals.
She is an avid gardener, foodie, enjoys travel, and supports senior lifestyle initiatives.
Client Service Associate
A native of High Prairie, Ashley has worked with TD for most of her professional life. Her focus is on customer service and administration, a role she has enjoyed since joining the bank in 2005.
Ashley completed the IFIC (Investment Funds in Canada) program in 2008 – and rapidly moved up through the ranks of TD as an administrator and specialist in Branch internal controls.
Ashley became a Customer Relations Coordinator in 2011 – in her own words: ‘I’ve always loved administrative work, helping clients and assisting staff members run their days and ensuring the branch runs smoothly’.
Triaging client requests and providing caring service are her specialties – and continue to be her primary function on the Lorraine Mah team. She relishes being ‘in the know’ and the person people come to with requests and questions.
Married, she and her husband both love to play guitar and have a shared passion for music, which plays a big role in their life together. Ashley is an accomplished cook and also enjoys painting.
Client Service Associate
A professional in the financial services industry for almost a decade, Dustin works closely with Lorraine to ensure that we provide a seamless client experience, providing a rapid and timely response to any and all client related administrative issues. In his spare time, Dustin enjoys sports, home renovations, woodworking and hockey.