Our Values
Trust
Our advice and recommendations are always made with our client's interests first.
Communication & Reporting
We will be available to make sure you are kept informed.
We Are Investors
It's important to us that we have alignment with our clients, as a result we invest in the same strategies that we recommend.
Integrity
We are driven by honesty and a strong moral compass.
True Diversification
Canada is less than 3% (1) of the global market capitalization. As such we believe diversification is an important part of portfolio construction. The use of over 10 different asset classes with an emphasis on protecting capital on the downside is part of our portfolio design. Our wealth management approach is designed to meet three key objectives: Will I outlive my wealth and retirement savings? Will my portfolio grown beyond the rate of inflation? Is my portfolio designed to grow but also protect me from significant draw downs in the market?
Our commitment is to act in our clients’ best interests which is why we invest in the same strategies.
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Defensive
Cash & Absolute Return
Tactical
Top-down, Opportunistic
Traditional
Bottom-up,
Fundamental
Our Team
Sean Wilson B.Mgt, CIM®, CFP®
Associate Portfolio Manager & Owner
Amanda Allan
Insurance and Portfolio Administrator
Moraine Wealth Advisory Offers Integrated Financial Planning
Moraine Wealth Advisory is a private wealth management firm that goes beyond just investment advice.
We take the time to understand your financial and life goals. Then, our Financial Consultant in Calgary implements our integrated wealth management process. We are committed to continually finding ways to create value for our clients. Through our detailed process of understanding your financial and life goals, our Financial Planner in Calgary is able to build a comprehensive plan that brings together all aspects of your financial life, for clarity and peace of mind.
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Frequently Asked Questions
How Much Does Comprehensive Financial Planning Cost?
Is Fee-Based Financial Planning Right for Me?
Comprehensive fee-based financial planning is ideal for individuals and families who are looking for personalized advice and guidance on their finances. It is particularly useful for those with complex financial situations, such as high-net-worth individuals, business owners, and retirees. If you are looking for a holistic approach to managing your finances and are willing to pay for expert advice, comprehensive fee-based financial planning may be right for you.
How Much Time Does It Take to Complete a Financial Plan?
The process starts once we have a signed engagement letter. We then provide you with a comprehensive list of information that we require before starting your plan. When we have all the required information, we can begin planning. The typical time to complete a comprehensive financial plan is approximately six weeks. Within that time frame, we will present a draft plan to review and discuss with you. The takeaways from this meeting will be reflected in the final plan, which is typically presented during week six. Implementing the action items within the plan can take up to six months or longer depending on the nature and complexity of what is required.
It should be noted that the financial plan is made at a point in time, and as with everything in life, there will be changes to your plan as your situation evolves, thus making planning an ongoing process. The comprehensive plan should be reviewed annually or more frequently if there have been material changes to personal and or household circumstances.
How Do I Choose a Financial Planner?
When choosing your financial planner, it is important to do your research and consider several factors, such as experience, credentials, and fees. Look for a planner who has experience working with clients in similar situations to yours and who is willing to explain their approach to financial planning in detail. You should also consider their communication style and whether they are a good fit for your personality and needs.
Is Working with a Financial Planner the Same as Investment Advice?
Working with a financial planner differs from investment advice based on the scope of work being provided. Comprehensive financial planning covers the areas of cash flow management, debt management, budgeting, risk management (insurance), investing, tax planning, estate planning and retirement planning that align with your goals and values. Investment advice is the process of making sure your investment portfolio is aligned with your short, medium and long-term goals.
Moraine Wealth Advisory offers comprehensive financial planning as well as investment advice and management.
Do I Have to Invest with Moraine Wealth Advisory If You Complete My Financial Plan?
No. Engaging Moraine Wealth Advisory for planning advice does not require you to invest with us. You are free to use anyone you choose to work with for investment advice.
Can I Work with Moraine Wealth Advisory if I don’t live in Alberta?
Moraine Wealth Advisory is proud to be registered as an Associate Portfolio Manager with Raintree Wealth Management. Our Calgary financial advisor team is currently registered in Alberta and British Columbia.
Do You Receive Commission from Financial Institutions?
In some planning situations, it may be recommended to incorporate some form of life insurance. In those cases, the advisor would receive a commission.
We often work with more than one member of a family, such as parents and adult children, or siblings. When determining fees, we account for the family’s total wealth when setting individual family fees. If part of the plan involves life insurance and the implementation of life insurance as part of your risk management and or estate planning, these products will pay a commission.
Do You Get Paid for Referrals to External Professionals Such As Lawyers Or Accountants?
No. We do not receive compensation from external professionals we refer our clients to. When clients do not have a corporate lawyer, estate lawyer, certified business valuator or tax accountant, we will refer you to someone we feel will be right for your situation.
Moraine Wealth Advisory offers integrated Calgary financial planning through our well-rounded team of experts.
Stop searching for investment companies in Calgary that aren't providing comprehensive solutions customized for you. Set up a meeting with our Certified Financial Planners in Calgary, Alberta to get clarity around your financial life.