With over 20 years of experience in the investment industry I have helped caution clients from making emotional decisions during volatile times and guide their portfolios through all market environments with the goal of developing long lasting relationships built on trust and integrity.
I utilize a conservative risk optimized strategy to help you grow and preserve your wealth based on your personal circumstances and aligned with your personal values.
Life can be complicated, so let's try to keep it simple. I have a straightforward process consisting of:
Understanding You and Your Story
Everyone has their own story and no one will be able to provide tangible value and advice without fully knowing yours.
Discovery is about having a dialogue about your past, where you are today, about your future and understanding what makes you unique. By utilizing the innovative discovery tool developed by TD Wealth I will apply principles of behavioural finance to dig deeper and understand your wealth personality so we can better know how you make decisions.
This information is reinforced by my unique in-depth discovery process for a deeper and more profound understanding of your needs, your wants, and the priorities and values that are most important to you.
Markets can be uncertain and present many unknown risks to your financial future. Are you concerned about the financial, social or environmental impact of controversies such as BP's Deepwater Horizon oil spill, Pacific Gas and Electric's (PG&E) bankruptcy due to litigation related to the California wild fires or the 2013 collapse of the Rana Plaza garment factory in Bangladesh?
Those are examples of how corporate governance practices, environmental or social issues can affect your financial future.
How can you try to avoid or minimize those impacts?
The key is the deeper due diligence provided by Responsible Investment. The implementation of an additional layer of analysis utilizing Environmental, Social, and Governance (ESG) factors allows you to enhance and broaden the understanding obtained by traditional financial evaluation.
Avoidance of managing these factors can introduce material unintended risks to your financial future.
Why is this so important?
In the Financial System Review Report released May 16, 2019 for the first time the Bank of Canada added a new vulnerability: climate change. It states; "For central banks, the focus is on the risks that climate change poses to both the economy and the financial system. These include physical risks from disruptive weather events and transition risks from adapting to a lower-carbon global economy. The Bank is incorporating this risk into its analysis of the Canadian economy and financial system."
Since 2011, environmental risks have been appearing regularly in the Global Risks Report produced by the World Economic Forum. Extreme weather events, natural disasters, water crisis and failure of climate-change mitigation and adaption figure prominently over the last few years as 4 of 5 main risks threatening our planet for likelihood of occurring and in terms of impact should it occur. (Source: World Economic Forum 2008-2018, Global Risks Report
, Evolving Risk Landscape Table, 2008-2018
As an active member of the Responsible Investment Association (RIA) of Canada and a professional dedicated to incorporating Responsible Investment in my investment decision process, I have earned the Responsible Investment Advisor Certification through the RIA.
Goals Based Planning
Goals based planning is an incredible tool to help you prioritize your goals and help you stay focused on the long-term without emotional decisions and cognitive biases during market turbulence.
The Ready Commitment
Launched in 2018, The Ready Commitment is our corporate citizenship platform, with the mission to help create a more inclusive and sustainable tomorrow. To do this, we are looking at how our business, philanthropy and people can create a more positive impact and are targeting a total of $1 billion by 2030 in community giving to four areas: Financial Security, Vibrant Planet, Connected Communities, and Better Health.
Environmental, Social, and Governance
Below is a selection of TD's Environmental, Social, and Governance (ESG) initiatives and recognition taken from the 2018 Environmental, Social, and Governance Report.
• TD was listed on the Dow Jones Sustainability World Index for the fifth consecutive year
• For the third year in a row TD has been included in the Bloomberg Gender-Equality Index
• TD has been a carbon neutral bank since 2010
• Target $100 billion, in total, towards initiatives in low-carbon lending, financing, asset management & internal corporate programs by 2030
• As of August 2019, TD is still the only financial institution globally to participate in all three of the United Nations Environment Programme Finance Initiative (UNEP FI) Task Force on Climate-related Financial Disclosures (TCFD) pilots on lending, investment and insurance
I am passionate about exploring the beautiful natural wonders our world has to offer. I have been fortunate to see the Grand Canyon and explore 10 of the 13 categories of the world’s ecosystems that exist on Maui in Hawaii. One of the most incredible experiences I have participated in was night snorkeling off the island of Hawaii with Manta Rays.
I have an affinity for learning about human history, nature and science and you can often find me watching National Geographic, History or the Discovery channels.
I have always had a passion for animals from a young age. I spent years as an equestrian horseback rider and enjoy exploring and learning about different animal species from around the world.
I feel at peace with myself when I am in the outdoors. I enjoy gardening, shoveling snow in the winter (yes I actually enjoy doing this!), playing golf, baseball and basketball.
I have a strong, intelligent and incredible spouse and I am a father to a young daughter and son.
Diversity and inclusion is important to me to reduce inequalities in our world and to make sure that no one gets left behind. I worry about what kind of world we are leaving to our children and their children.