This Memorandum of Engagement summarizes the scope of the planning and financial advisory services we will perform and the specific analyses and planning areas that you and we conclude are appropriate to address at this time. From this start, we expect to develop an ongoing relationship with you of counsel and assistance regarding your comprehensive financial affairs. From time to time, we will update our understanding of the scope and nature of our work by an appropriate written summary.

Although you are, of course, free to discontinue our services at any time, we accept clients only where there is a mutual expectation of such ongoing relationship, subject to the following terms:

The Time of Your Life Program™

The Time of Your Life Program™ is offered on an hourly and / or retainer fee basis only. At the outset of our relationship, we will review the scope and nature of The Time of Your Life Program™ with you and provide a written estimate to be reviewed and agreed upon. A deposit of 50% of the agreed upon engagement fee is due prior to initiating billable work. The balance is due not later than three months from our initial Discovery Meeting.

Investment Management

You may request that we manage an investment portfolio for you under the terms of our Investment Advisory Agreement and The Portfolio Profile™. The Investment Advisory Agreement and The Portfolio Profile™ should be reviewed by you and us prior to opening an investment account.

Financial Products / Services

You may also request that we facilitate the purchase of other financial products on your behalf, including but not limited to deposit products, lending products, managed accounts, life, disability and critical illness insurance products, pension and group insurance products and other related financial products and services. We may arrange for the purchase of these products directly with the financial institution supplier, or alternatively, through one of our established business or referral partners. You are welcome to request and review any business or referral agreements in place with regards to such products.

The Time of Your Life Program™
will empower you to discover and clarify a vision for your future – and the future of those people most important to you. You will create an entirely new understanding of dangers, opportunities and strengths – as they exist today and on the road ahead. You will always proceed with confidence towards important goals in your life, and know that your contribution has been truly meaningful.

Completing a review of your financial circumstances will allow us to provide advice designed to assist you in the achievement of your goals. Our initial work will involve a series of meetings with you to investigate your goals and financial circumstances, and to review the conclusions we reach. All of our recommendations will be evidenced in written form. At all times, we will treat your information as strictly confidential.

1. The Time of Your Life Discovery Meetings™

During our initial meeting(s), we will explore and identify the most important goals you have for yourself, your family, your business and other important personal causes. These conversations will assist both you and us in identifying and understanding your plans for the future. We will also clarify your current financial situation, and establish benchmarks from which future progress can be measured. A thoughtful look at your plans for today and tomorrow is simply the first step toward discovering peace of mind.

2. The Critical Factors Analysis™

Drawing on the knowledge and experience gained through years of serving our clients, we utilize the information collected at our Discovery Meetings to form the basis of our analysis. Our primary focus is on identifying any strengths, opportunities or dangers that may affect your financial future.

Our work in The Critical Factors Analysis™ is based on information, statements and other materials that you provide. You are responsible for providing us with the requested information such that our work may be complete, accurate and provided on a timely basis.

3. The Breakthrough Game Plan™

The Breakthrough Game Plan™ will serve as a Road Map to guide you on your way to financial security. This Plan will provide you with confidence, clarity and a sense of control as you progress towards important goals in life. The Breakthrough Game Plan™ is our delivery of written recommendations.

4. At your request, we will:

• Co-ordinate the implementation of your plan
• Provide regular reviews and updates

The Breakthrough Game Plan™
provides a written record of our analysis and serves as the basis for all recommendations. The following specific topics / analyses are covered in this engagement. In our initial discussion, we will check as many as apply.

This engagement and The Breakthrough Game Plan™ will include the following:

• The Vision Creation Focus™
• The Asset Maximizer™
• The Cash Flow Analysis™
• The Protected Tomorrows Report™
• The Expanded Retirement Solution™
• The Education Savings Solution™
• The Investment Portfolio Profile™
• The Legacy Architect™
• The Best Interest Analysis™
• Referral to other professional advisor

We do not provide tax or legal advice. However, we will work closely with your accountant, your lawyer and any other advisor as you request to implement the agreed upon recommendations.

Compensation

As your advisor in The Time of Your Life Program™, we are paid by you on an hourly and / or retainer fee basis, as agreed upon at the outset of our engagement.

If you request that we facilitate the purchase of other financial products on your behalf, we will receive compensation from the financial institution for transacting business with them on your behalf. Compensation may be paid from the financial institution through our mutual fund dealer, managing general insurance agency (MGA), or directly to our firm. We may receive compensation when first transacting business on your behalf. In addition, or alternatively, we may receive ongoing fees from the institution for as long as you hold their particular product.


You may download (by clicking below) printable PDF versions of the Memorandum of Engagement,
as well as samples of our work: