Your Financial legacy - get a second opinion

Markets are raging! 2018 was worst year on decade (see https://etfdailynews.com/2018/12/31/wall-street-closes-out-its-worst-year-in-a-decade). I find people asking "what's the difference between a 'portfolio manager' (PM) and retail mutual funds"? A PM actively manages investment portfolios based on the client objectives for capital preservation, growth, income, etc considering time horizon and risk. With retail mutual funds, the client is primarily "along for the ride" ("ride it out") and objectives are often based on the fund (though good advisors can match client objectives to funds). Some funds over the past 10 year bull market may have had double digit returns with the odd negative and are positioned for significant correction (remember 2001 and 2008!). A Portfolio Manager can offer diversification (e.g. private investment, hedge funds, etc) for a much smoother "ride". I am an independent Financial Planner - I offer a no cost analysis of current portfolio results and fees - and provide a financial roadmap with scenarios to optimize your portfolio. I do not sell investment, insurance or any financial products. However, I can introduce you to Portfolio Managers and private investment licensed professionals - helping you interview to find the best for you. The financial roadmap uses registered (RRSP, TFSA), non-registered or corporate accounts to map best tax strategies - and plan a future tax migration strategy that could save 15-20% of your final inheritance. The roadmap will optimize your financial legacy. (I provide full disclosure on fees and services - and this offering is available across Canada)