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A proprietary program available exclusively at Young & Frederick Investment Solutions The One Strategy Process™ is an integrated client focused financial planning and portfolio management system that produces results.
We have combined many of the best practices of the financial planning and portfolio management worlds to produce a system that provides a clear plan, in a concise and easy to understand format. Traditional financial planning programs with their result of 20 pages of platitudes and pie charts did little to address our client’s specific concerns and life goals. A second shortfall we found is that while some planning programs provided a good plan, they did little or nothing to combine it with a portfolio management system. The One Strategy Process™ produces one cohesive, comprehensive and compatible plan tailored to meet your objectives and is combined with a portfolio strategy to achieve those goals.
This is something different.
Th e One Strategy Process™ answers the 5 questions we have found most clients have in common. These go to the core of their financial concerns. Those questions are:
- When can I retire?
- How much money will I have?
- How long will it last?
- What will be the value of my estate?
- How much tax will I pay now and more importantly in the future?
The One Strategy Process™ answers those questions.
Our objective is to co-ordinate the strategy that governs your investments. All of your assets should work together in achieving your specific goal. Not one plan for your RSP, another for your real estate, and yet another for your business or practice. It is all your money and One Strategy should guide it.
The One Strategy Process™ has many facets. The Wealth Accumulation stage of life is different for everyone and our process emphasizes that it is never too early or too late to have or develop a strategy. The old saying that you will never know if you have arrived if you don’t know where you are going is true especially in relation to your finances. Our process determines the type of investor you are, more importantly, what your risk tolerances are. This is a critical test. One of the major benefits of The One Strategy Process™ is that when we work your plan you don’t watch the market. You don’t have to. Your goals drive your portfolios and investments, not the stock market.
Our One Strategy Portfolio Management (OSPS) system is the perfect complement to the planning program. Portfolio Management in our system is disciplined and effective and will help you avoid the classic investment mistakes many traditional advisors and programs fall into. Portfolio management is not rocket science. It is discipline. One Strategy’s comprehensive structure provides that discipline.
 One of the biggest concerns for our clients is Retirement Planning. When can I retire and how much money will I have? These two questions create more anxiety and stress than any other. The One Strategy Process™ addresses these questions in a direct and clear fashion. Our planning program produces the answers of not only how much will I have to save to achieve my goal, but also how long will it last. Finally it also outlines how much you have to earn to achieve your goals. Our process distinguishes between a wish and a goal and it sets a strategy to achieve all of your objectives, so that you know what your retirement will look like at age 60, 70, 80, or 90. These reports are presented in a clear and easy to follow format.
Another aspect of the overall financial planning and estate process that sometimes is neglected is Insurance. Insurance can plan a critical role in estate planning, or in providing for your family’s financial security. The One Strategy Process™ incorporates and calculates the amount of insurance you should have as part of the report. In short, every investment that can help you achieve your financial goals is incorporated into one comprehensive package generated exclusively for you.
The Tax Free Savings Account (TFSA) also forms part of your strategy. This new form of savings, for people over the age of 18, promises to revolutionize our savings patterns and investment habits. The One Strategy Process™ already incorporates innovative strategies for this type of account into your plan.
For our clients, who are considering ways to finance their children’s or grandchildren’s education, Registered Education Savings Plans and strategies to maximize their use again form part of our comprehensive program. No stone is left unturned in formulating and executing a long term solution for your financial portfolios.
The last leg of the exercise deals with Estate Planning. In The One Strategy Process™, our team of in house experts work closely with your other trusted advisors (lawyers’ accountants) to ensure that the appropriate tax saving strategy is employed for you. Formal Trusts, Living Trusts, Holding Company organization, Insurance and other tools are utilized to protect and pass to your heirs and beneficiaries the capital you have worked so hard to accumulate.
A great deal of hard work goes into accumulating the capital you use to provide for your family and your retirement. We respect that effort and reflect your objectives as the primary goal of the portfolio and the financial plan. The One Strategy Process™ is the comprehensive, cohesive, and compatible program that combines all aspects of your financial goals into one program designed to put you in control of your future. One Strategy helps make your goals a reality. |
