Composite Finance Inc.

Services

Composite Finance Inc. is in the business of solving problems. We assist our clients in organizing their affairs and improving their financial situation.

If you want a one-time or periodic consultation, we will be happy to meet with you on an as-needed, hourly basis. Many people looking after their own financial affairs have important questions from time to time and many others just want a second opinion about their progress. If you are seeking comprehensive or modular planning services we would be pleased to meet with you and discuss what might be appropriate for your unique circumstances.

Based on the needs of the client and the extent of the engagement we will propose an engagement agreement with a fixed price for your approval. The scope of work, cost, terms, confidentiality agreement and confirmation of our fiduciary duty are all included.

Service is available in the F.P.S.C. Six Step configuration, modular or second opinion formats. A comprehensive engagement using the F.P.S.C. Six Step configuration includes the following:

Streamlined data gathering process.
Comprehensive analysis and problem identification.
Goal prioritizing and funding solutions.
Cash Flow, expense and tax analysis.
Investment allocation recommendations.
A realistic process for attaining your life goals.
A methodology that leads to implementation
Investment Policy Statements to guide you.
Risk management solutions to protect you.
Recommendations tailored to your unique circumstances.
Easy to follow implementation guidelines.
Action plan checklist to help you stay on track.

A modular engagement could include one or more of the following areas of focus:

Personal Financial Statements » Cash Flow, Net Worth, Income & Balance sheets.
Advanced Financial Planning » the blueprint for achieving your goals.
Retirement Planning » defining your goals & objectives and making it happen.
Wealth Enhancement Techniques » maximizing risk-adjusted returns.
Investment Policy Statement » guiding you and reducing common investment errors.
Risk Management Strategies » protecting your lifestyle and your assets.
Efficient Portfolio Design » minimizing risk for any given level of return.
Performance Benchmarking » risk adjusted investment performance evaluation.
Inflation Indexed Income Solutions » protecting your purchasing power from inflation.
Pension Plan (DC or DB) & Annuity Alternatives » delivering reliable income replacement.
Will, Executor & Estate Planning » avoiding unnecessary taxes and transferring assets.

In short, we ascertain your available alternatives and then help you explore the options that most appeal to you. Our fees for planning are based on the time required to provide the service. Every situation is unique, a fixed price proposal can be provided after our initial consultation (see: Our Process).

Clients typically implement the wealth management plan using their existing bank/brokerage, legal and accounting relationships. Regardless of the format of your current arrangements we can work with you to make improvements and modifications.

If insurance products are required Composite Finance Inc. is an independent, Life Insurance Corporate Agent. We observe a routine of full disclosure so that suitability and transparency underlie any prospective insurance transaction. As a result our clients are able to avoid many unnecessarily complex and less than optimum products that are sometimes "sold" rather than purchased.

Please review our Disclosure & Transparency page for related information.

Services (continued)

2 nd Floor, 20 Townsite Road, Nanaimo, B.C., Canada, V9S 5T7

Call: 1 250 716-5750

Toll Free Fax: 1 866 598-7496

101 - 3960 Quadra Street, Victoria, B.C., Canada, V8X 4A3

Toll Free Phone: 1 888 361-8631

Email: CompositeFinance@telus.net

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GIC's and Financial Planning in Nanaimo & Victoria - Graham Cook CFP, FMA, CIM

Services