Democratizing Personal Finance

with goals based planning and optimization

Goals Based Investing

Goals based investing is the discipline of savers investing toward the achievement of their financial life goals, such as building a retirement nest egg or saving toward the education of their children. It is not focused on outperforming a benchmark or maximizing portfolio returns. Multigoal based investing refers to the prioritizing and monitoring the achievement of numerous financial life goals simultaneously.

Retirement

CCPC

Education

Real Estate

What We Do

We do two unique things. First, we connect and prioritize your financial goals to help you achieve them all over time. Next, we help you optimize your contributions and your withdrawals to maximize your post goal outcome.

Optimization

Optimization refers to a mathematical technique that can combine many elements of a problem and solve for the maximum or minimum objective subject to various constraints.  Such as, maximum after-tax, post-retirement income while meeting, for example, minimum RRIF withdrawal requirements.