Anthony Marchao, CEA, CHS, CPCA, EPC, MFA, RIS
Many relationships with my clients begin with the development of a comprehensive financial review followed by a financial plan to achieve long term, financial goals.
As part of this plan, we cover the investment, insurance, tax and estate planning aspects of each client’s situation.
I strive to serve as my clients' chief financial advisor. As part of this role, I co-ordinate the activities of existing professional advisors such as tax accountants and estate lawyers; if required, I also tap into my own network of professional advisors.
My investment philosophy is essentially conservative in nature; operating within each client's risk profile, an investment portfolio is structured which will achieve long term growth without taking undue risk – as a result, both clients and I sleep soundly at night.
Tax planning and minimization are a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, prudent use of leverage and family trusts are evaluated.
Each client's account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, each plan is reviewed annually and appropriate adjustments made.
I believe that my best client is one who is fully educated. As a result, I have a strong commitment to client communication through regular newsletters delivered each month. In addition, I maintain an extensive library of some of the best books on personal finance, which are available for loan to all my clients.
My client's interest comes first at all times. I try to provide advice and counsel at no cost. No investment is ever recommended, unless it makes complete sense for the client and all compensation is fully disclosed.
