FAQ

Retirement projections focus solely on estimating your retirement income and expenses. A comprehensive financial plan, on the other hand, integrates retirement planning with all other aspects of your financial life, including investment strategies, tax planning, and risk management. It provides a more holistic and personalized approach to ensuring financial security down the road.

The time required to complete a financial plan varies depending on the complexity of your financial situation. Typically, it involves several meetings and data gathering, and the process can take anywhere from several weeks to several months. We’re committed to being thorough and accurate in planning to ensure your future is secure.

Working with an independent retirement planner means you’re receiving unbiased advice that’s tailored to your specific needs. Independent planners aren’t tied to any specific financial products or banks, which means we’re able to provide you with objective recommendations that prioritize your best interests. You’re free to take your plan and implement it with your current advisor.

Generating a reliable income stream is a top priority in retirement. We can help you develop a comprehensive retirement income plan that considers various sources, including your investment portfolio, retirement savings plans, pensions, corporate dividends, and government benefits.  Incorporating both short and long-term tax planning into your income generation strategy enhances your wealth and your estate.

Tax-efficient retirement planning is one of our specialties. We can help you implement strategies to minimize your tax liability, such as utilizing tax-advantaged accounts, strategically withdrawing from retirement savings, corporate accounts, and utilizing income splitting where appropriate, while taking advantage of available tax credits and deductions.

Our approach to investing is a hybrid of passive and active management. We aim to provide returns that are close to the broader market with significantly less risk. We achieve this through global asset allocation, which utilizes broad index-weighted ETFs and investment allocations to active managers in the areas of small-cap, mid-cap, fixed income, private credit, and absolute return investments. Our approach to risk management aims to cushion the impact of market declines while maximizing gains when markets rise. Through extensive due diligence and modelling, we construct our portfolios with a methodical, evidence-based approach.

Yes, we’re happy to schedule time to review your portfolio with you. This allows us to assess your current investment strategy and identify potential areas for improvement. Book a discovery call with our advisors and take this valuable step in determining if our services are the right fit for you.

We take data security very seriously. We have extensive security measures in place to protect your personal and financial information. This includes encryption, secure servers, and strict confidentiality protocols. As members of the Financial Planning Association of Canada, we’re also held to industry standards and best practices to further protect your best interests.

We track your portfolio’s performance against relevant benchmarks and your individual financial goals. We provide regular reports and updates, and we’re always available to discuss your portfolio’s progress and answer any questions you may have. We also provide very transparent reporting, which makes it incredibly easy for clients to reconcile changes in account value.

Portfolio design is about understanding and managing risk. We’ll look at the different types of risk that can impact your portfolio, including market risk, interest rates, and liquidity. We use this information to build models to help us understand how these risks can affect your returns, allowing us to design a portfolio that reflects your unique risk tolerance. By actively incorporating risk management into our approach, we’re able to provide you with effective wealth management and a positive client experience.

Our comprehensive financial planning fees are structured to reflect the complexity of your financial situation. Most plans start between  $4,000 and $6,000. We provide a clear breakdown of our fees upfront so you know exactly what to expect.

Yes, all wealth advisors representing Moraine Wealth Advisory are fiduciaries. This means we’re legally and ethically obligated to act in your best interests at all times. We prioritize transparency and avoid conflicts of interest to ensure you always receive unbiased, trustworthy advice.

Always. We believe in complete transparency when it comes to fees and are committed to always providing clear and detailed information about our fee structure and any potential costs associated with our services.

Moraine Wealth Advisory is proud to be registered as an Associate Portfolio Manager with Raintree Wealth Management, which provides us with the authority to practice financial planning and provide advisory services throughout Alberta, British Columbia, Saskatchewan, Manitoba, and Quebec.

We operate on a fee-only model for those interested only in financial planning, a fee-for-service model based on assets under management, with no investment commissions for financial planning clients. Our fees and minimum asset requirements are detailed on our Fees page. In cases where life insurance is recommended, advisors may receive a commission.