Personal Values
We can customize your portfolio to exclude specific securities or sectors that you don’t want to invest in for ethical reasons.
Risk Tolerance
Your asset allocation will be calibrated to deliver optimal growth potential with the lowest possible risk while maintaining alignment with your investment objectives.
Savings
Your portfolio will be monitored for gains and losses to help you manage the overall taxable consequences on your portfolio.
Liquidity
Your investments can be used to generate cash flow as required.
Personalized Portfolio
Your portfolio is as individual as you are
We focus on developing a deep understanding of your investment needs, your financial goals, and your personal preferences. This understanding is essential to creating a portfolio that truly reflects you as an investor. Over time, of course, your circumstances and needs are likely to change. By being aware of these developments, we can adjust your portfolio so that it stays in step with your evolving wealth management needs.
What You Can Expect
Lifetime and personalized financial consultancy, we support you from the early stages of building a family to the tranquillity of a healthy retirement.
Our team consists of experienced professionals with a proven track record of success in financial management and passionate about being the best-in-class advisors.
FAQ
Have questions? Reach out and we are happy to help.
Since 1992 we have provided clients with financial planning and wealth management services. We have extensive knowledge and experience throughout our Team to work with families through all of life’s transitions and complexities. Having been in business for over 30 years has allowed us the unique advantage of having worked with clients from birth to university, having couples have children to retirement and the full term of a successful retirement.
Our Team is loaded with Financial Professionals who carry many distinct qualifications. Our Advisory Team consists of Certified Financial Planners (CFP, Canadian Investment Manager (CIM), Financial Management Analysts (FMA), Responsible Investment Advisors (RIA), Dementia Friendly Advisors (DFA), Fellow of The Canadian Securities Institute (FCSI), and licensed insurance agents.
Yes, prospective clients can ask for references from existing clients or other industry participants who understand our unique and exceptional client offering.
Our compensation can vary depending on the service we are providing. We do not charge commissions on the sale of our portfolio services. Our Advisory Fee uses a sliding scale for investment management services that is based on family household investment assets. Other services such as insurance and GIC deposits provide a commission being paid by the insurance or deposit company. We truly believe in a transparent fee and cost structure, so clients know exactly what they are paying.
Fiscalosophy is our Team’s view on personal financial planning and investment management: Our Fiscalosophy is centered on five key principles:
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Failing to Plan is Planning to Fail. Each client should develop, document, and revisit their goals and the path to that will allow them to achieve them.
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Every investor portfolio should match their specific need for return to meet their goals, mitigate risk, and keep costs down.
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Financial success occurs when logic triumphs over emotions. Our goal is to encourage activities that seek this outcome.
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When life goes into transition, money goes into motion. Financial planning should be forward-looking toward each client's upcoming transitions.
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The world of financial planning and investments can be confusing and complex. Our role is to break down the complexity so that our clients can make wise financial choices based on historical evidence and common sense.
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We believe each client is unique and their needs can be quite different. We want to serve our clients and provide timely financial advice in a way that suits their lives. Families are busy. We will meet with clients when they want, where they want, and how they want. We do not believe we should dictate how our clients want to receive advice but rather allow for a frictionless approach to our long-term relationship.
IPC Investment Corporation (IPCIC) and IPC Securities Corporation (IPCSC) provides and carries our investment management licenses. Geoff Sgarbossa is licensed as a Financial Advisor with IPCIC and provides advice and financial services with regards to mutual funds and mutual fund portfolios. Jeff Keill is licensed with IPCSC as a Portfolio Manager and provides advice and services around mutual funds, stocks, bonds, ETFs, and discretionary portfolio services.
We do not have any stated or mandated account size limitations per se. We do not restrict our services based on how much money a client may have as a rule but prefer to limit the number of families based on the following three criteria: a) clients agree with our Fiscolosophy, b) we believe we can truly add value to our clients’ financial lives, and c) clients are open and honest about their financial situation.
Yes, we provide clients with on-line access through the website 24 hours a day, 365 days a year. The website allows clients to see all the important portfolio details including holdings, valuations, and transactions.
Our standards are to meet with the clients at least once a year either by phone, on-line, or in person. Although we maintain a scheduled approach to our follow up review meetings, the method, and the frequency we meet with clients is truly based on the clients’ own needs. Some need to meet with us more often at various points in their financial lives and some less.
Our Offering
Wealth Advice Service
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Debt Reduction
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Risk Assessment
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Wealth Creation
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Tax Advice
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Education
Financial Planning
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Education
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Retirement
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Estate
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Home Buying
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Pension Planning
Wealth Management
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Discretionary Portfolio Management
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Stocks, Bonds, Mutual Funds, EFT'S
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Systematic Plans
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Registered Accounts
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Non- Registered Accounts
Amazing people who make you feel like you are an integral part of their business.
James W.
Personal Finance Customer
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Our team is focused on long-term partnerships that provide lasting results.
We don’t just offer specific services, we offer a wealth management strategy geared to your goals, your life, and your future.
Young Singles & Families
Mid-Career Families
Your Acceleration Years
Nearing Retirement
Retired
Business Owner & Professionals
Who We Are For
We provide financial management advice for all life stages, from young families to retirees, business owners, and have special support available for individuals facing dementia or mental health challenges.
Discovery & Goal Setting
We begin our journey with a personal engagement to deeply understand your unique financial goals and circumstances.
Analysis
Our experts conduct a meticulous review of your financial standing, considering all assets, liabilities, and cash flows.
Strategy Design
Leveraging the insights from our assessment to ensure your legacy is preserved and your loved ones are cared for according to your wishes.
Proposal
With the financial strategy set, we initiate the execution phase, focusing on implementing investment decisions that propel you toward your goals.
Execution & Implementation
As markets shift and your life evolves, we remain vigilant, adjusting your financial strategy to new realities and opportunities.
Ongoing Review & Monitoring
Our regular comprehensive reviews ensure that your financial strategy stays aligned with your changing needs.
Turning your Vision into an Actionable Long-Term Plan
Our Team adopts a disciplined process using our K&A Personal Wealth Strategy. This system allows us to examine all aspects of your financial well-being, from evaluating your current state to understanding your dreams and aspirations, and building the plan that's right for you.
Keill & Associates Process
Turning your Vision into an Actionable Long-Term Plan
Our Team adopts a disciplined process using our K&A Personal Wealth Strategy. This system allows us to examine all aspects of your financial well-being, from evaluating your current state to understanding your dreams and aspirations, and building the plan that's right for you.
1. Discovery & Goal Setting
We begin our journey with a personal engagement to deeply understand your unique financial goals and circumstances.
2. Analysis
Our experts conduct a meticulous review of your financial standing, considering all assets, liabilities, and cash flows.
3. Strategy Design
Leveraging the insights from our assessment to ensure your legacy is preserved and your loved ones are cared for according to your wishes.
4. Proposal
With the strategy set, we initiate the execution phase, focusing on implementing investment decisions that propel you toward your goals.
5. Execution & Implementation
As markets shift and your life evolves, we remain vigilant, adjusting your financial strategy to new realities and opportunities.
6. Ongoing Review & Monitoring
Our regular comprehensive reviews ensure that your financial strategy stays aligned with your changing needs.