Introduction to Investment Planning Counsel
INVESTMENT PLANNING COUNSEL IS ONE OF CANADA’S LARGEST NETWORKS OF INDEPENDENT PERSONAL WEALTH MANAGERS IN CANADA. WITH A DEDICATED NETWORK OF 600 PROFESSIONAL PERSONAL WEALTH MANAGERS, OVER $7 BILLION OF ASSETS UNDER ADMINISTRATION, A STRONG BACKING AND AN EXCITING SUITE OF PRODUCTS AND SERVICES, OUR GOAL REMAINS SIMPLE: TO HELP YOU LIVE YOUR DREAM..
It is the mission of Investment Planning Counsel to provide our customers with the very best in financial products, services and advice to assist them in achieving their financial goals and enjoy peace of mind.
IPC Save Inc. - our firm shops the market on a daily basis to find our clients great rates on cash and credit management and trust products. We offer GICs, Chequing/Savings Accounts, Mortgages, Lines of Credit, Investment Loans, Credit Cards, etc. . .
Investment Planning Counsel has four major disciplines to help our clients plan their overall financial situation:
IPC Estate Services Inc. - a full estate and insurance planning division representing a wide variety of companies and products designed to help our clients with their estate and insurance needs.
Financial Planning - our firm engages in designing and implementing full financial plans to be used as a roadmap to achieve financial goals and objectives. These plans take into account all aspects of a person’s financial situation - protection, cash management, estate planning, educational planning, tax planning, retirement planning and portfolio management.
Counsel Wealth Management - is our portfolio management division. Counsel helps our clients by researching money managers as well as creating innovative portfolio structures to help our clients achieve their objectives by minimizing risk and maximizing overall portfolio returns.
Personal Wealth Management Strategy™ The Personal Wealth Management Strategy™ is a comprehensive approach to financial planning that examines all aspects of your finances and provides a roadmap to follow to achieve your stated objectives. No one really wants financial planning, what we really want is to achieve our dreams.We all dream of one day being able to work but only when we want to and not because we have to.We dream of providing financially for our children and for the people we love. In short, we dream of financial independence. A Personal Wealth Management Strategy™ can help you to achieve that financial independence. A Personal Wealth Management Strategy will look at all aspects of your finances - from how to lower your borrowing costs and maximize your savings, to properly planning your estate and to protect your family. We help you learn how to build a proper portfolio strategy that is specific to your goals. We will help you to minimize taxation and to eventually retire or help you to stay retired.
Professionalism
Confidentiality
Accountability
The
RODE
Personal Services
The Financial Planning Process Letter of Engagement
Collection of Data
Assessment of Goals Developing a Strategy & Research Presenting the Strategy
Implementation of Plan
Team Independent & Unbias Advice
Discipline Constant Research
Review
The Rode Team Proposition
AS A CLIENT OF INVESTMENT PLANNING COUNSEL, OUR FOCUS IS TO PROVIDE YOU WITH THE HIGHEST LEVEL OF SERVICE POSSIBLE AND TO ADD VALUE TO EVERY ASPECT OF OUR BUSINESS. FROM OUR TEAM, YOU CAN EXPECT THE FOLLOWING:
a) A Full Financial Plan Every client receives a written financial plan.This plan accesses your current financial situation and makes recommendations to the achievement of your stated financial goals and objectives. b) Investment Policy Statement (“IPS”) Our team does not engage in market timing, speculation or any high risk investing. Our service is to create a document called an Investment Policy Statement (IPS).The IPS describes objectives of your investment portfolio, your tolerance for risk, investment time horizons and personal investment experience - based on this information, we then create a portfolio structure with an agreed upon: • Asset Allocation (Equities vs. Fixed Income) • Style Allocation (Growth vs.Value) • Geographic Allocation • Portfolio Manager Allocation • Rebalancing and Review Strategy (buy/sell discipline) All portfolio management is customized and geared toward your personal objectives.This document is reviewed on an annual basis or whenever there is a change to your personal situation.
c) Quarterly Consolidated Summery Each quarter, our team will send you a statement of your entire situation in an easy to read format. We will also monitor your portfolio on an ongoing basis and make suggestions as to necessary changes. d) Quarterly Newsletters Our team will send you the IPC Advisor on various topics related to achieving your financial goals. Our team will also keep you up to date on economic happenings through our e-mail broadcast service (“The Economic Report”) written by Investment Planning Counsel's in-house investment analyst. e) Semi-Annual Review Twice a year, a member of our team will review your entire financial situation as it relates to achieving your financial goals. f) 24 Hour Service If there is ever a problem with your account or a question you need answered, our staff is committed to providing you with an answer within 24 hours, if not sooner.
g) Informational Workshops On a regular basis, our team will host an information workshop to keep our clients informed on the general trends. Our team invites experts in the fields of Investment,Taxation, Legal and Estates to speak to our clients. h) Cash & Credit Management and Trust Services Through our subsidiary - IPC Save Inc. - we will research the various financial institutions to provide you with great interest rates on your savings and the low rates on your borrowing. We can provide you with high yield chequing accounts and great GIC rates. On the credit side, we are generally able to provide our clients with discounted mortgage rates of up to .75% - 1.00% off posted rates. We can also help you obtain other forms of loans, such as lines of credit, car loans, investment loans, etc. at very competitive rates. Investment Planning Counsel even has it’s own line of credit cards at preferred rates. i) Tax Services Through a referral service, we can have accountants available to answer any tax-related questions you may have.The accountants that we refer are also versed in all of the tax programs we advise for our clients.Therefore, they are in a position to help you through what can sometimes be a complicated process. j) Estate Planning At your request, we can help you to plan your estate and position your financial affairs so that your assets are distributed to your beneficiaries in the most tax efficient manner. We will design a written Estate Plan and Estate Directory to help
you and your beneficiaries map out a full strategy relating to your specific situation. k) Insurance Rates Due to our size and scope, Investment Planning Counsel, can research the rates on life insurance; disability insurance and other living benefits to ensure you are getting competitive rates and the best products. We will do a full assessment of your current insurance policies to make sure that you are getting the best benefit for the lowest cost. l) Wills and POAs Our team has retained the services of a local lawyer to help you prepare or update your Will and Power of Attorney.You can make an appointment at our office to meet with the lawyer at your convince. m) On Line Account Access For your convenience, you can access your fully consolidated investment account, 24 hours a day, 7 days a week through our team’s personal website and a special service called IPC Online.This service can help you to consolidate all your financial affairs onto one web service for easy access.
The Rode Team Advantage
Personal Service By working with our team, you can have all your financial affairs handled in one area, by a team who cares about the financial well being of you and your family.You can do so with the confidence that our firm has access to the very best products, services and advice that is available in Canada.You can make one phone call and have professional advice on all aspects of your finances by someone who has your best interest in mind. As your wealth management team, we will act as the “quarterback” in the coordination, implementation and regular follow-up of all your financial efforts.
Independent and Unbiased Advice All recommendations are made in a wealth management context. In other words, every recommendation made by our team will be made based on your own financial situation and in terms of helping you accomplish a goal or objective. We believe that every client is different and as such each one gets their own personal wealth management strategy that will be the blueprint for all recommendations of products, services and advice.
advice - there is a great deal of peace of mind in the fact you can always turn to our team of professionals to help guide you through the confusion.
Accountability One big advantage of working with our team is accountability. It is part of the job to hold all suppliers, ourselves and yourself accountable to the achievement of your financial goals. We will ensure that the companies we hire to manage your money remain accountable to high performance standards and should they fail, we will recommend replacements. We also set very high standards for our own team, and as such, you should hold us accountable for keeping to your plan and review on a regular basis.
Confidentiality You can be assured that when you use any of the services of our team or our firm, all information that you provide will be held with the utmost confidentiality. We cannot disclose any Personal information outside of our immediate team without your written approval.
Professionalism Constant Research Even when you are not thinking about your financial future, we are, because that is our fulltime job. Our firm is constantly researching the investment, tax and estate marketplace to ensure that you always have the very best in financial products, services and advice.
Discipline One of the biggest deterrents of building wealth is the lack of discipline to stay the course. With media, friends, relatives and other “experts” giving constant
Our team and our firm take the process of wealth management very seriously.You and your family can be assured that our team will act in the most professional manner when dealing with all aspects of your finances.
Products and Services
The products and services
• Financial Planning Services
that IPC, its affiliated
• Cash & Credit Management Services
companies and business partners can represent include:
• Disability Insurance • Living Benefits • Life Insurance • Mortgage Insurance • RESP’s • RRSP’s • RRIF • Discretionary Money Management Services • Tax Consulting • Retirement Plans • Mutual Funds • Mortgages • Personal Tax Strategies • Group RRSP • Severance Consulting • Personal Pension Plans • Business Owner Succession Planning