Helping you map out your financial life - a road map to get there, and a guide to help you stay on track. The primary goal that I help clients work towards is retirement planning - making sure that you have enough income in retirement so that you can stay comfortably retired. |
Financial Planning 
Investment Management
My services and expertise are ideal for people who have the following questions
- How suitable are my investments? Can I reduce fees or find ways to improve my portfolio for the long-run?
- How much do I need to have saved up to retire comfortably, and stay comfortably retired?
- How much should I be saving on a regular basis, and where should I be saving it (RRSP, TFSA, other)?
- How do I manage my debt effectively while saving for my other long-term goals?
- How to I make sure I am not overpaying in taxes, both today and in the long term?
- How do I build an estate plan that will allow me to take care of my loved ones in case something happens to me?
- How do I incorporate concentrated business wealth or employee stock holdings into my personal financial plan?
- How do I best utilize other sources of income like Canada Pension Plan (CPP) and Old Age Security (OAS) in retirement?
- Can I afford my 'bucket list' items and what is the ideal way to fund these in retirement?
- How do I prepare myself for unexpected or 'one-off' expenses?
- Can I eliminate or reduce the risk that my plan gets thrown off track by sickness or a death in my family?
Fees
Investment Management Fees | |
| Assets Managed by Walhout Financial | Annual Fee (% of assets managed) |
| $1 - $500,000 | 1.00% |
| $500,001 - $1,000,000 | 0.75% |
| $1,000,001 - $2,000,000 | 0.50% |
| Amounts over $2,000,000 | 0.35% |
| Fees include all financial advice services and management of investments on an ongoing basis. HST is added to Investment Management Fees.
Fees are calculated on a tiered basis. For example, if a family has $600,000 invested with Walhout Financial, their annual fee is calculated as 1% times $500,000, plus 0.75% times $100,000. The fee is $5,750 for that year plus HST. The fee is calculated monthly and varies with the value of your account. Cost of investment products is additional. I use portfolios from Dimensional Fund Advisors that cost between 0.3% - 0.45% per year. Accounts managed by Walhout Financial are held at Investia Financial Services Inc. Click here for more information about Investia. | |