Total Financial Solution:
The quality of advice you receive from any professional is highly dependent on the information they have available. With appropriate input from you, we can help you build a financial strategy to maximize opportunities as well as manage potential challenges.

In addition to investing, our clients have needs for insurance, estate planning, and borrowing. Consider the following for a moment. Should you invest more towards your retirement, or pay down your mortgage faster?  If leaving an estate is an important goal, is it better to invest inside an insurance vehicle or outside of one? And what happens when your personal, business and family assets are considered together?

These important questions reinforce the value of integrating your various financial goals into one comprehensive strategy.  If the strategy is disconnected, important components can slip through the cracks. However when needs are assessed collectively, we have the perspective and resources to help you capitalize on the efficiencies of a total financial solution.

To get a better picture of our Total Financial Solution, please click below:
Total Financial Solution

Our Advisory Process:
When planning for the future, it’s important to take the many aspects of your financial picture into account.  That means getting to know you well and understanding what you want out of life. It means being in touch when and how you want. Above all, it means giving you peace of mind that you are going to reach your goals.

We have developed a unique advisory process to take into account your entire financial picture. By gaining a thorough understanding of your needs, assessing the particulars of your individual situation, and preparing your personalized plan, we provide advice and personalized solutions to help you achieve your goals.  We implement these solutions by drawing on our partners within ScotiaMcLeod, Scotiabank and the Scotia Private Client Group. Then we monitor your progress towards your goals to give you peace of mind that your strategy remains on target.

For an overview of our Advisory Process, please click below:
Our Advisory Process

Our Team of Experts:
We assemble a team of specialists from across the Scotiabank Group and other professionals integral to your financial strategy like your lawyer and accountant. We capitalize on the power of a total financial solution, maximizing opportunities while managing potential challenges.

Our team of seasoned experts address issues around investing, estate, tax, retirement planning and borrowing, and assist clients in developing a more complete financial strategy. These specialists can analyze and solve specific financial needs, and help uncover important opportunities and risks that may not be readily apparent.

With these highly dedicated and focused professionals looking at your situation, you can be more confident that your personalized financial solutions are truly aligned with your goals.

Please click below for more information on our Team of Experts:
Our Team of Experts

Financial Planning:
Creating a financial strategy is about gaining a complete understanding of your unique situation. It’s about incorporating the independent but related areas of retirement, tax, and estate planning, together with investment, banking, and borrowing advice. Our planning results in a comprehensive solution for your future – one capable of adjusting your current situation to meet your long-term objectives.

By exploring and establishing your needs in each of these areas, we can assess both the strengths and weaknesses of your existing financial strategy. Using this as a basis, we then draw on the expertise and experience of the appropriate specialists from ScotiaMcLeod and Scotiabank to build a personalized action plan that takes your entire financial picture into account. The result is a comprehensive financial solution comprised of the relevant product offerings, ongoing and objective investment advice, and unparalleled service.

Throughout this process, we act as a key ongoing link to your team of professionals. At any time, you have the ability to view your investments and banking situation online. Plus, you can arrange a meeting with us at your convenience.

Please view the following to see how we create a complete picture of your current and future financial situation.
Fact Finder
Sample Financial Plan

Investment Management:
Our detailed recommendations address your entire financial picture and include specific steps to meet your goals.

Please click below:
Step 1: Questionnaire
Step 2: Investment Management Plan
Step 3: Investment Policy Statement

Our Commitment to You:
Building strong relationships is at the heart of our business philosophy. And providing ongoing, trusted advice is our guiding principle as we help you meet your financial goals.

We are committed to making your experience with us as rewarding as it can be. We’ve also learned that clients both want and need to know what that experience is all about – so here is an outline of the services that you can expect from us:
Client Service Commitment

Our Core Values:
Core values are central to our vision and commitment to clients. They arise from a
combination of where we came from, and who we are today. Our values define who we are and how we demonstrate our commitment.

To view the values integral to The Ritcey Team, please click below:
Our Core Values