It seems that the biggest problem that individuals have with their financial planning process is thinking that once the initial decision is made, that no further reviews or changes need to be made. Nothing could be further from the truth:

• tax laws change
• probate fees have tripled
• estate settlement options have increased
• there are many types of investments on the marketplace today
• people are becoming more prone to do legacy planning versus strictly investment planning

Yet, have you been advised of ways of protecting yourself, your retirement assets and finally your estate? What about probate losses? What about 45%++ tax losses of your registered assets?

Without one second of hesitation, it has been our experience, that while a lot of our competition are good in one specific sector of our industry, most either cannot or do not tie all of your financial picture together in one nice neat environment. At Lighthouse Wealth Management, we have that expertise.

We have often found in offering second opinions that existing plans and services could be improved - our recommendations typically make things easier and ensure your retirement and estate planning processes are under control. As a Certified Financial Planner, Dave and his team have been able to help their clients understand their programs better and make sure that the "t's" are crossed and the "i's" dotted!

Here at Lighthouse Wealth Management, we take an in-depth approach to handling our investment clients. We offer a client-centered approach. Our time is spent discussing with you - what is important to you and how to achieve it. From those discussions we develop an investment plan and then monitor that plan on an ongoing basis, and as you know, making modifications to it as situations change. Communication with you is critical so we can help you achieve your goals.

If we were to manage your assets, we will ensure they are well diversified and in a controlled risk environment. There are many investment vehicles to choose from when you consider your choices - but at the end of the day, we like to think that our team, working with your home, will provide the most satisfaction.