Because you want to grow more than your portfolio

When you want answers you start online. The world of apps and bots, data and algorithms. But for all the stats and fast facts, you won't find the answers to life's big questions. That comes when you connect with real people.

HUMAN CENTERED ADVICE

Though our world has changed, and your values and priorities may have shifted, we believe now more than ever, the right advice has the power to transform the future for you and your family.

Our Difference

From market shifts to major life milestones, we will meet you where you are - in just the way you choose - and work with you to get where you want to go. That’s advice, your way.

Flexibility

Juggling schedules and trying to get family together in one place or getting financial advice for your wealth management questions shouldn’t be stressful. That’s why we’ll meet you on your terms, be it one-on-one online, in-person, or on a group video call with everyone in your family – unrestricted by regions and time zones.

Personalized Advice

Planning is personal. We provide different levels of service that you can choose from – so you get what’s most effective for you. We will help you find your preferred approach – whether you want to plan for a specific target goal, comprehensive wealth management advice, or anything in between.

Engage Relationships

Engaged Relationships

Communication is integral to how we work with you. We will review, adjust and adapt your plan based on your engagement preferences, and we’ll stay connected with you – through your channels of choice.

The Value of Advice

Advice can have a positive and significant impact on the growth of your financial assets.

VOA-0

0

No Advice

VOA-1

4 - 6

Years of advice

VOA-2

7 - 14

Years of advice

VOA-2

15 +

Years of advice

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E-BOOKHuman Dimension of Advice
Source: Cirano Report: Econometric Models on the Value of Advice of a Financial Advisor.
Our Team

40 Years of Experience

Financial Planner

J. Philip Sawyer, B.A., CFP®, CEA

Financial Planner

Karen Sawyer-Brunette, H.B.Comm, CFP®

 

Click the video below to watch Sawyer & Associates Financial Services video!

 

When can I retire? How much money will I need in retirement and how long will my funds last? Should I purchase an RRSP or TFSA? How should my pension at work be invested and my own personal RRSP? How can I pass my estate on to my spouse or children efficiently? How do I make sense of the pension options being presented to me from my employer? Will I have enough money to put my children through University? These are some of the many challenging questions we are asked daily by our clients and there is no simple answer. Every client has a unique set of circumstances and a personalized approach is necessary. 

Our Retirement Plans and Estate Services are customized for each client. They are presented in a written format and are monitored on an annual basis. Your plan is never a static plan, and changes in your personal situation will affect your plan and will require changes. Some of these changes may be as a result of factors out of either of our control, such as an illness or a job loss. Other changes may be as a result of changes to your pension plan, regulatory changes with CPP, OAS or taxes. Some changes may also be requested by you, such as the desire to retire at a different date or the addition of a family member. For these reasons and a host of other reasons your plan should be monitored on a regular basis. All of these and a host of other macro-economic factors go into building a plan for you and your family. 

Our services do not stop here. We work with you and your family when you are ready to ensure a smooth passing of your estate and try to minimize probate and legal fees. We provide counseling on will preparation and powers of attorneys and have a referral service to a competent cost effective lawyer. We ensure your portfolio is properly invested for your age and risk profile and hold at minimum, annual reviews. We work with some of the best companies in Canada to ensure your personal investment goals are being achieved. We will also work with your accountant or can offer a referral to a trusted accountant to ensure when it is time to take money out of an RRSP or RRIF that it is being done as efficiently as possible. 

We are committed to providing a superior level of personal service to each one of our clients. As Financial Planners®, we offer invaluable knowledge that can be applied to your situation. We continue to challenge ourselves by regularly attending seminars, conferences and other industry related educational opportunities to ensure that we are able to pass along this knowledge to you. 

 

Insights

For advice that makes a difference

11 June, 2024

Moving Money Out of a High-interest Savings Account

HISAs are a good short-term solution when interest rates are high. In light of the recent rate cuts, there may be better opportunities for long-term investors.

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8 May, 2024

Is It Time to Transition Out of High-Interest Savings Accounts?

High-interest savings accounts have surged in popularity, but are these funds still the right place for your money? Discover why now is the time to reconsider your o

17 April, 2024

Canada's Budget Highlights 2024 – 2025

Canada's Federal Government released its new budget for the year ahead providing key details on important support programs.

Our Perspective with Chief Investment Strategist Rana Chauhan

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Keeping Your Investing FOMO and FUD in Check

In his Q1 2024 update, Rana notes that the financial markets have kicked off 2024 on a strong note, with the S&P 500 climbing approximately...

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