Our Comittment to Your Peace of Mind
By being successful in business, diligent saving, inheritance, or a combination of all three, you have amassed a significant net worth. While aggressive strategies may have brought you here, a more conservative approach going forward may be more appropriate so that everything you have gained is not lost.
Our specialty is working with our client’s long term investments, insurance and financial plan. We focus on managing that portion of your Estate that is designated to provide you with a comfortable future income you cannot outlive, funding education for children / grandchildren, having appropriate insurance coverage, estate tax reduction and charitable giving.
We employ financial tools and strategies that preserve and transfer your wealth to next generation, thereby leaving a legacy while not foregoing the fruits of your labor.
Our specialty is working with our client’s long term serious money. We focus on managing that portion of your Estate that is designated to provide you with a comfortable income you will never outlive. We employ financial tools and strategies that preserve and transfer your wealth to the next generation, thereby leaving a legacy while not foregoing the fruits of your labour.
What our clients can expect -
Planning
Our relationship with clients starts with the development of a written, formal, personal, comprehensive financial, investment and estate plan which is formally reviewed and updated annually.
At the annual review, we will review the goals, review the plan, and then review the progress of the plan and or the portfolio toward the achievement of those goals over the last year.
Insurance Risk Management is also professionally addressed.
Coordinate Professionals
We strive to serve as my client's chief financial planner. As part of this role, we coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, we also tap into my own network of professional advisors.
Services and products may be provided by an Assante Wealth Management advisor or through affiliated or non-affiliated third parties.
Investment Philosophy
Our investment philosophy is essentially conservative in nature. Our focus is on the portion of the client’s investment portfolios which is structured to achieve long-term growth without undue risk, and undue fees. As a result, both my clients and I sleep soundly at night.
We are unbiased and objective in our selection of investment managers and recommend those most suitable for each client’s particular objectives.
We provide investment fund advice through our affiliation with Assante Wealth Management.
Tax Planning
Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as converting, deferring and eliminating taxes are evaluated.
The most tax-effective investment and fee structure is recommended wherever possible.
Investment Reporting
Every three months, clients receive a summary of investment performance. Statements can also be viewed on-line. The information is presented as clearly as possible. In addition, the format of the report is reviewed with all new clients at the outset of each relationship, to minimize confusion or misunderstanding about how to read the results.
Regular Reviews
Each client's account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. Both the personal financial plan and investment portfolio are formally updated and reviewed annually. The portfolio asset allocation is reviewed on a monthly basis.
Team Service
We make ourselves as accessible to clients as possible. All telephone calls are returned the same business day.
Ongoing Communication
I believe that my best client is the one who is fully informed. As a result, I have a strong commitment to client communication through a regular newsletter, plan, and portfolio review meetings, and by telephone.
Charities Proudly Supported by Malinka Financial
- BC Cancer Foundation
- Bowen Island Arts Council
- Canadian Cancer Society
- Doctors without Borders
- Dress for Success
- Festival Vancouver
- Friends for Abilities (Neil Squire Society)
- Kids Helpline
- Make-A-Wish Foundation
- Operation Red Nose
- PAWS (Progressive Animal Welfare Society)
- Salvation Army
- Scouts Canada
- Stanley Park “Renewal of the Jewel”
- Start with Art
- U19 Beach Volleyball
- Vancouver Food Bank