Building Wealth

Five Laws of Wealth - Successful people manage their finances in a specific way. We've analyzed and distilled that format to create five specific principles better known as "The Five Laws of Wealth Creation.”

Law #1 Set a Goal
Every successful business or individual is goal-oriented. Remember, if you don't know where you're going, any road will get you there. If you aim at nothing, you will hit it with amazing accuracy.

Law #2 Use Other People's Expertise
Every successful individual and business, recognizes the use of a "board of directors" to help attain wealth. Your board may consist of your personal financial advisor, accountant, lawyer, role model. It's up to you. Who's advising you on how to become financially independent in the future? Your rate of personal financial success is a function of the qualifications, and experience of your board members.

Law #3 Use Other People's Money*
Every successful company and individual is well versed in the use of other people's money. Working with other people's money can provide you with phenomenal benefits and can reinvigorate your financial affairs - if done prudently. For many investors, the only way to maximize the amount of capital working for you is to borrow.

Law #4 Pay Yourself First
Creating wealth requires discipline, and consistency. To be successful, remember that a part of what you earn is yours to keep. Don't forget to pay yourself first.

Law #5 Invest For the Long Term: Buy. Hold. And Prosper™
True investors have three things in common. They all want to:

• Conserve their capital
• Grow their principal at an above-average rate of return; and
• Minimize their taxes

Many financially successful people subscribe to one investment philosophy. It's ownership of high-quality assets that are held for the very long run.

Wide Range of Non-Proprietary Investment Products – You have access to a full range of investment products including all securities traded on major stock exchanges, bonds, mutual funds, limited partnerships, REIT’s and much more. From soup to nuts, you are working with a full service investment dealer.

Custom Investment Plans – Our team will prepare for you an individually tailored Investment Policy Statement (IPS) whose purpose is to establish a clear understanding between our team and you on the criteria to be used in effectively implementing and supervising a strategy for managing your investment assets. This IPS will provide support for you and our team to develop a well-conceived, long-term investment plan and a basis for making disciplined investment decisions over time.

RSP/RESP/RIF – Registered plans are available to shelter your hard earned money from taxes and help you achieve your goals.

Research and monitoring of investments - The philosophy of our team is to acquire excellent businesses that are trading at attractive prices. In addition to our own criteria and resources, we will use the research resources of our firm and research partners such as TD Newcrest, First Energy Associates, and Credit Suisse First Boston, along with additional third party information/screening software.

Short Term Savings Vehicles – Protect and grow your short term assets with high yield savings options.

*Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.