-
Matt Bedrosian, CFP, FMA, FCSI
Wealth Advisor
Tel: (905) 321-9868
(800) 265-7416
Fax: (905) 688-9722
matt_bedrosian@scotiamcleod.comMatt has been providing financial advice and investment solutions to his clients since 1998. His focus is establishing life-long client relationships by listening and responding to client needs. Matt shares a diverse understanding of capital markets and financial planning concepts. Committed to ongoing education, he has attained the Certified Financial Planner designation, the Financial Management Advisor designation and is a Fellow of the Canadian Securities Institute.
-
John Julien, B.Comm (HONS), PFP
Wealth Advisor
Tel: (289) 241-6594
(800) 265-7416
Fax: (905) 688-9722
john_julien@scotiamcleod.comJohn began his career in the financial services industry in 2004 after graduating from the University of Windsor with a degree in Bachelor of Commerce. Through a disciplined financial planning process, he builds long-term client relationships by focusing on individual client needs. John brings an up-to-date and diverse knowledge of investments and capital markets, and has completed the Personal Financial Planner designation.
Our Approach
“Plan first, invest second.”
We cannot give you directions if you do not know your destination. Sounds simple doesn’t it? Strangely though, when it comes to investing, many Canadians prefer to start driving before they even know where they need to go. Does your financial advisor know where you are going?
It is common to get caught up in the details of what products to invest in. Before you do, we feel it is essential to create a comprehensive financial plan. There can be countless benefits in creating one, but most notably it can help you determine the rate of return needed to attain or maintain the standard of living you desire. This number is the catalyst used for all of our investment recommendations.
Why take more risk than you need to? Again, this might seem simplistic but we continue to advise many Niagara residents on the fact that they are overexposed to risk. It is our goal to help you achieve your financial dreams by taking the least amount of risk possible. We will not attempt to overachieve on your rate of return objective thereby exposing you to unnecessary risks.
These are just a few simple questions that you and your spouse can ask each other. If you cannot answer some or all of them, it may be time to review or create your financial plan.
What rate of return do we require to attain/maintain our standard of living?
How much risk are we exposed to?
How much risk should we be exposed to?
Are there ways we could be reducing our taxes?
Do we have major expenses to be concerned with? i.e. weddings, child’s education, vehicle purchase
Do we know what our retirement expenses will be?
Do we have an insurance need? Have our needs changed since we last reviewed them?
Have we dealt with our estate needs? i.e. tax reduction, probate fees, updated will, trusts
Plan first, invest second. Sounds simple doesn’t it? We couldn’t agree more.