Our Approach
A Meaningful Plan Takes Time
Developing a meaningful plan takes time, for both our clients and ourselves. The amount of time involved depends upon the complexity of the case and our clients’ expectations and risk tolerance. We use questionnaires to assist in gathering information which allow us to determine risk tolerance, time frame, and expectations regarding market performance for investments.
Our clients receive an Investment Policy Statement, which addresses their individual risk tolerance and investment expectations.
The software that we use for developing financial, retirement, and estate plans provides realistic “what-if” scenarios that project future cash flows and illustrate the impact of taxation over time. Our clients receive a copy of the plan, including our recommendations. This is the document that we use during periodic review meetings as progress is monitored. The financial plan is the foundation for our recommendations and provides accountability to our clients.
All clients receive a Confidentiality Agreement and a Financial Planning Agreement that describe the kind of work that we do and how we are compensated.
The development and implementation of a plan often requires advice from other professionals such as accountants, bankers, trust officers, mortgage brokers, and lawyers. We employ a team approach in conjunction with our clients’ other advisors to ensure that our recommendations are considered by all concerned parties.
Planning Model
Our planning model recognizes significant events in your life that have financial consequences, including and not limited to:
-
Business Succession
-
Inheritance
-
Charitable Giving
-
Job Loss
-
Death
-
Marriage
-
Disability or Critical Illness
-
Retirement
-
Divorce
-
Tax Planning
-
Estate Planning
-
Wealth Transfer
It is critical to the effectiveness of our recommendations that we know where all of our clients’ assets are located. Proper recommendations can only be made with complete and accurate information. Our intention is not to disturb the work of other professionals, rather to complement it. Similarly, confidentiality is of utmost importance given the nature of our work and at all times is respected.
As part of our process, we ensure that current documentation exists, such as Wills, Powers of Attorney, and Representation Agreements. As CFP® professionals and CLU® designation holders, we adhere to the Codes of Ethics and professional standards established by FP Canada and Advocis, The Financial Advisors Association of Canada.
Hatch & Muir Total Planning Process
Financial Plan
We help you minimize tax, legal, and probate costs so your financial wishes are protected and documented.
.png)
Risk Management
Understand how much you’ll need, where your income will come from, and how to make your savings last.
Tax Planning
Ensure your wealth transfers smoothly while minimizing taxes and protecting your legacy.
.png)
Wealth Plan
We help you make informed decisions about defined benefit, defined contribution, and hybrid plans.
Estate Plan
Reduce your tax burden today while preparing for future obligations with a strategic, efficient plan.
Contact us
Explore the plans that support your financial goals — from retirement to education to long-term savings.
Hatch Muir Financial Group of CI Assante Wealth Mangement Ltd. Total Planning Process
Financial Plan
Retirement, cashflow, lifestyle and goals based, business succession, marital breakdown, implementation strategies, progress update process.
Risk Evaluation
Providing for surviving spouse and family, coordinating insurance planning, reducing personal or business risks, risk blind spots, loss of income due to illness and long term care options.
Tax Planning
Tax change updates, coordinating tax planning, tax efficient investment portfolios, tax efficiency plan, deduct, divide and defer, family foundations, planned charitable giving.
Wealth Plan
Tailored investment guidance to help you meet your goals, implementation and monitoring of asset managers, rebalancing and optimizing, progress updates, independent, non-proprietary investment solutions.
Estate Plan
Tailored transfer strategy, minimize tax, maximize wealth transfers, coordinate estate planning with other professionals, inheritance planning, family discussions, H&M financial organizer.
Plan Types
Explore the plans that support your financial goals — from retirement to education to long-term savings.
.png)