OUR APPROACH
3-D PROCESS
At Bitton & Associates, we collaborate with you to make sure your long-term objectives are fulfilled. Our knowledgeable wealth management advisors take the time to thoroughly comprehend your circumstances in order to create the best plan of action for you.
We apply our 3-D technique to every client. The three D's are:
DISCOVERY
In order to understand your unique needs and goals in the areas of family, career, leisure, and finances, we first start a discovery process. We take the time to genuinely understand you, your values, goals, and challenges, as well as your present stage of life.
DESIGN
We develop a personalized wealth strategy with our recommendations based on the data we have collected thus far. Retirement, investments, taxes, estates, insurance, and legacy planning are all covered by this plan.
In order to control risk and increase possible returns, your customized plan also includes a portfolio of assets that are suited to your risk tolerance. Your time horizon for objectives including schooling, home ownership, asset acquisition, business launch, leisure, and retirement are taken into account, along with your risk tolerance and financial background.
We talk about putting your plan into action after it has been designed. We are able to tailor our suggestions to your unique objectives thanks to this cooperative session. After that, you choose whether or not you want to join us on your path to wealth.
DEPLOY
We complete your wealth plan, start the client onboarding process, and start implementing the different components of your plan as soon as we both agree to work together. As a first step, this entails working with you to finish the paperwork and administrative duties that are relevant to your circumstances.
In order to track the effectiveness of your wealth plan in achieving your goals, frequent meetings are planned. We can also take note of any changes to your goals and personal situation during these meetings, allowing us to make any required adjustments to your plan.
We can make sure that your plan meets your needs, reaches your financial objectives, and adapts to changes in the markets and in your life by working together continuously.
Ongoing Collaboration
WE ARE DEDICATED TO YOU IN MANY WAYS THAN JUST DEVELOPING YOUR FINANCIAL STRATEGY.
Your adviser will regularly review your plan and investment portfolio to make sure it stays aligned with your changing personal circumstances, including your risk tolerance, financial goals, life transitions, and market fluctuations.
The majority of our clients would rather communicate with their advisor frequently. Regardless of your option, you may reach out to your Bitton & Associates advisor at any time during business hours, either in person or via video conference, and as often as you'd like to go over your financial plan, get updates, or ask any questions you may have.
To make sure your plan is in line with your requirements and objectives, we advise you to meet with your advisor at least once a year.
Investment Selection Process
Investment Strategy
The three main pillars of B&A's investing strategy are income generation, risk control, and stability.
We start by performing a comprehensive risk assessment to determine your time horizon, risk tolerance, and financial objectives. We decide on the proper asset allocation among various investments based on this evaluation.
A fundamental component of our approach is diversification. To lower overall risk exposure and lessen the effects of market volatility, we distribute our investments across a number of asset classes and industries. A combination of stocks, fixed income instruments, cash equivalents, and alternative assets may be part of this diversification approach.
Your Choices for Investments
We can provide a range of assets through B&A to help you diversify your portfolio:
Stocks
Bonds
Certificates of Guaranteed Investment (GICs)
ETFs, or exchange-traded funds
Mutual Funds
Accounts Available:
YOUR MONEY, YOUR PROTECTION
About CIPF
The Canadian Investor Protection Fund (CIPF) safeguards clients of Canadian Investment Regulatory Organization (CIRO) Members who have suffered or may suffer financial losses due to a CIRO Member's insolvency. However, it does not protect investors against market fluctuations in specific securities. For more detailed information about this coverage, contact CIPF or obtain a brochure from one of our offices.
Investors Group is a member of the Canadian Investment Regulatory Organization (CIRO), which closely monitors our activities to ensure compliance with all applicable rules and regulations.
About CIRO
The Canadian Investment Regulatory Organization (CIRO). It is the national self-regulatory body mandated with the role of regulating every investment dealer as well as trading activities on the debts and equities of Canada.
Additional safeguards for protecting your money
Authority of the Financial Markets
Quebec has an additional regulatory body called the Autorité des Marchés Financiers (AMF), of which we are members. The AMF oversees the province's financial markets and services, including those provided by Investors Group.