At Bluteau Caseley Wealth Management Group it’s all about choices - here is a summary of the steps we’ll take that bring it all together

With our approach, we customize services to support how you spend and save, coordinating and handling all the aspects of working cashflow; planning, spending, and saving. 

Planning is at the core of building wealth and using that wealth to live. Our focus on mapping everything out in a simple and interactive format, where you can investigate changes to see the impact, making it accessible, where questions can be answered with visible impact. We appreciate the beyond words and numbers, pictures make the story. We project what you will have over time based on the three key choices of spending, saving, and working time, visualizing what the money means to you. And how it is working for you. The tracking mechanism supports you to make decisions right for your situation. 

And a critical aspect of the planning function is mapping the progression of assets over time, providing needed perspective on your progress, the performance of the monies. We also use scenario planning to assess assets now and in the future for making decisions. Further sensitivity analysis answers the “what if” questions you have as to different options. It is all about giving you the perspective you need. Perspective turns perceived obstacles into opportunities through planning. 

We do not follow a standard financial planning approach as offered by so many institutions, our work is personalized to your situation, being collaborative, customized, and integrated with all the moving parts of your financial life. The value in our planning advice is putting decisions in perspective.

How you spend makes a tremendous difference to how much you can save, more in how it is distributed than how much is spent. The medical corporate cashflow planning model is a differentiation for our work with you, again, helping you focus on the pieces you can control. We ensure efficient tax payment management, corporate planning, and the supporting spending decisions and distributions are all coordinated and confirmed with your accountant. You have a clear annual plan to ensure your income is working for you. We provide discipline to meet deadlines and timelines while creating a framework for flexibility, where you make decisions as life evolves fully accounted for in the plan. We can adapt and respond to changes facing you, look back and assess how things went as compared to the plan, and reduce the complexity. Our job is to operationalize your cashflow plan and mitigate the risks. You gain a significant advantage in our managing all the remittances to the Canada Revenue Agency (CRA) and advising on how cashflow is best received for the family, salaries, dividends, and other forms of payments, all in coordination with your accountant. You gain a proactive plan, understanding the movements, and see the story of how your money is working behind the numbers.

Investing the money, you save is a further essential element of the work we do with you. Our focus is on the longer-term outcome of your assets. Sadly, too much attention is typically paid to reacting to short-term movements in markets and people achieve only half of the potential return over time from bad timing and poor responses. Again, our role is to bring you the perspective you need to make choices that work for you.

In building your portfolio, we strive for simplicity and to maximize the total after-tax return for you. Keeping more money makes life better.   

We find the greatest challenge in making decisions around wealth and investment of monies is usually the biases we each have. What people say, what people hear, and what colleagues and friends talk about, all adds to the media noise, distracting and creating static rather than clarity for making the right choices for you. We focus on analytics to gain perspective on what works for you, understanding the risk you are comfortable with, or not, and psychometric tools to appreciate unconscious biases for you and your partner and how you make decisions together. In everything we do, we focus on bringing perspective for you to make sense of it all, providing clarity and confidence for your decisions.  

In assessing progress, and where you are, we focus on one number – the portfolio distribution rate. This is simply the amount of income that can be supported over time by the investment assets you have. By looking at this number you know quickly and easily where you are compared to where you want to be and reduces stress in trying to make sense of too many numbers. It is relevant to the life you want. Just seeing that one number puts everything into perspective for you, and context to the choices you will make.

Our approach to the investment of your assets is founded in the way pension funds are managed, with a high degree of disciplined care and careful diversification, to ensure a competitive return for the risk taken. Like a pension, the job for us is to ensure the funding of your present lifestyle commitments while covering projected future needs within your cashflow. We do not chase markets or take undue risk we take the position of professional management and advice.

We seek investments that provide access to alternative assets that best work for your risk perspective, such as private debt and real assets (properties, infrastructure, and other paths) that are not correlated to the markets and bring excess return potential. This path provides portfolio income despite low-interest rate scenarios. You are also provided pathways to private equity on a managed basis, again reducing risk while bringing in a further asset uncorrelated to the public market. And we pay attention to the impact of how investments affect the environment, society, and governance of our world. We seek responsible investment managers. 

For us, the return that matters most is what is retained after tax. We focus on tax efficiency and ensuring you keep more of what you make. Our overarching goal for working within building wealth is to appreciate your life, evolve with changes while keeping in focus the long-term growth of the market.