Feel Good About Your Financial Future

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SMART Approach

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Individual-Pension-Plan-(IPP)

Is your financial future S.M.A.R.T.?

Secure. Measurable. Achievable. Responsible. Trustworthy.

 
Brophy Financial Planning provides SMART financial planning advice to individuals and families in Ottawa and the surrounding area.Here is our systematic approach to helping our clients find greater financial freedom at any age:

  • Conduct a needs analysis: Through a series of personal interviews, we work with you to better understand your needs, personal goals, time horizon and risk tolerance.
  • Analyze asset allocation: Having the proper mix of equities, bonds and cash will determine the potential risk and return of your portfolio (i.e. asset allocation). We use sophisticated analysis tools to find the right mix.
  • Build your wealth plan: A wealth plan factors your current assets, planned contributions prior to retirement and expected withdrawals after retirement. We then leverage the investment strategy (i.e. asset allocation to balance risk versus reward) to project your return and estimate future values of your portfolio.
  • Access the recommended investment managers: Our wealth optimization process simplifies the maze of investment products by focusing on how we can best access and secure the investment managers we’ve recommended for you.
  • Implement the strategy: Once we fully understand your needs and have agreed on a “road map” that will move us in the direction of your goals, we will begin the process of implementing your strategy.
  • Monitor your progress: We will monitor your progress through regular reviews of your portfolio.
  • Rebalance your portfolio: Market cycles cause different asset categories to do well at different times. Rebalancing brings your portfolio back to the original asset mix at regular intervals to take advantage of these cycles.

Whether you are looking for a long-term financial plan, a check-up or a second opinion, we have the expertise and experience to help you retire in comfort and feel secure about your future.

Learn more about our full range of SMART Services
Learn more about our SMART Team


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