SERVICES

INVESTMENTS

“ Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson

“ Wide diversification is only required when investors don’t understand what they are doing. ” – Warren Buffett

Note: All investments offered through Olympian Financial Inc.

Those two quotes capture David’s philosophy when it comes to investing.

Over the decades, David has found that certain investment profiles can provide low volatility and better returns, helping clients to receive a good return with less risk. He has developed an investment strategy that lets you sleep at night.

On top of that, as an independent advisor, David can choose the best products from the best companies. He is not tied to any company and is not obligated to provide any product or service. He puts you first and your needs first!

TAXES

“ The hardest thing in the world to understand is the income tax”
– Albert Einstein

Death and taxes! Both are inevitable. David is not a doctor, so that leaves taxes as his area of expertise.

David recognizes that tax planning is NOT an annual event such as filing your tax return. He takes a one year to life time approach in tax planning. His proven strategies allow clients to take advantage of tax laws that everyone is entitled to but many don’t.

He will show you how to reduce taxes each year and throughout retirement. The less taxes you pay, the more money you have to spend on your needs and wants.

ESTATE PLANNING

“ Bad Planning on your part does not constitute an emergency on my part” – Proverbs

David is recognized for his knowledge on estate planning issues. Most people assume that means you have a will. That is only the start. He reviews your wills, power of attorney for property (also known as a general power of attorney) and your power of attorney for personal care (otherwise known as a health directive). David is not a lawyer but he is well versed in the estate area and can make recommendations for you to take to your lawyer.

On the money side he can show you how to reduce your taxes on death and even the possibility of eliminating any taxes upon death.

Probate is an area that concerns many people and David has the expertise to address your concerns and provide answers to your questions.

David is an expert on different types of joint ownership and can show you the pros and cons of this type of planning to avoid family arguments that have torn families apart.

For people in second marriages and relationships, David has insights and plans that can assist in
ensuring that the current relationship is secured through death and that those who you want to receive your estate, do so without fighting.

Family camps/cottages/cabins are always a big concern. David has the knowledge, expertise, and plans to help families plan the passing on of their cherished property.

COACHING

“No one learns as much about a subject as one who is forced to teach it” – Peter F. Drucker

All the planning in the world won’t make a difference if there is no follow-up. David provides regular updates and planning as required at no cost. In fact his greatest strength is keeping his clients focused on their goal and not letting them get swept away with current events.

He strives to keep his clients informed based on their own situation. All the planning he does is
customized to each client to meet their goals and visions. He has a focus that helps keep his clients on track.

EDUCATION

“ An investment in knowledge pays the best interest” – Benjamin Franklin

David constantly studies his industry and areas of expertise. Each year he takes courses, reads, and
researches in order to provide his clients with the best and most comprehensive planning and ideas.

With tax and estate laws constantly changing, David keeps up to date and applies these changes to his client’s situations. You know you are getting the most current information and advice, when you work with David.

INSURANCE

“ We all die. The goal is not to live forever the goal is to create
something that will. ” – Chuck Palahnick

Note: All insurance products are provided by Olympian Insurance Inc.

As a broker, David searches the best companies and products that suit your needs. He is also well versed on discussing issues related to your health insurance needs when travelling outside of Canada.

People would never consider not insuring their homes or cars, yet ignore the importance of their ability to produce an income and what it means to those whose lives they share.

In many cases people do not need insurance while others do. David offers a full review to see if you have or do not have a need for the various types of coverage.

Insurance needs vary from person to person and one family to the next. David is qualified to not just review but recommend programs that best suit your needs. David offers term and permanent insurance, critical illness, disability insurance, long-term care insurance and group insurance for businesses. As a broker, David searches the best companies and products that suit your needs. He is also well versed on discussing issues related to your health insurance needs when travelling outside of Canada.