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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.
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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.
Investment Philosophy
“Diversify, and Don’t Be Greedy.”
This is a term you will hear quite often from us. The message is simple: spread your investments around and stick to your financial plan in all market conditions. Sometimes this is easier said than done. There are times that certain market conditions can lure you into increasing or decreasing your exposure to a particular asset class. Although strategic adjustments to your asset allocation will be recommended, one theme will always remain true:
“For investment purposes, it is not timing the market that is important, rather it is having time in the market.”
In short, without the use of a crystal ball, we simply cannot predict what will happen from week to week and month to month. But if we employ a long-term strategy, history has shown that those who were disciplined enough to continuously stay invested in all markets have performed much better.
Our Core Values:
Flexibility of Income and Access to Capital – We believe that flexibility is a vital component of a proper financial plan. Unforeseen circumstances will always come up. Knowing that these situations can be dealt with will create peace of mind for you and your family.
Realistic Rate of Return - Our conservative approach to investing will help to flatten out the peaks and valleys of your investment returns. History has shown that you do not need to be aggressive to achieve a solid rate of return. Diversification is key, and so too is managing your expectations.
Tax Advantages - We will always attempt to structure your portfolio in the most tax efficient way possible. By no means are RSP’s your only route for tax relief. Additionally, through the financial planning process we can help communicate the benefits of the various legislative changes that have occurred in the last several years.
Diversify and don’t be greedy. Think about it…