About Capital Perspectives
What We Do
We offer solutions to protect your financial security now and in the future.
Disciplined saving and investing with a long-term focus play a key role in building wealth. That's our starting point, and there are no shortcuts. Thanks to the power of compounding, just $500 invested each month for 35 years can grow to over $745,000, based on annual returns of 6.5%.
But saving is not always sufficient to guarantee financial security. To paraphrase Mike Tyson, “everyone has a plan, until they get punched in the face.”
Life, health & disability insurance can play an essential role in a well-rounded financial plan as they protect your assets from unexpected events like illness or the loss of a spouse.
About Me
I'm a husband, father, cottage enthusiast and notoriously bad golfer.
After retiring from a senior federal public service role in 2019, I founded Capital Perspectives to promote financial literacy and help clients achieve financial security.
My credentials include an FRSA insurance license in the province of Ontario, as well as a master’s degree in public administration (Carleton, 1992) and a Certified Public Accountant designation (retired 2023).
As a financial security professional, I have conducted financial literacy workshops for CPA Canada and community organizations that teach budgeting, saving, investing, and debt management skills to high school students, young adults, new Canadians and retirees.
How We Do It
Communication and Personalized Guidance
We offer clear, straightforward information and options that are personalized for your unique circumstances.
Partnerships and Collaboration
By working with product partners lincluding BMO, Empire Life, iA Financial and Manulife, we offer best-in-class products to help clients manage risk and build lasting wealth.
Following the Evidence
The evidence clearly shows that investing with a long-term focus is the key to building wealth. Evidence also demonstrates that:
- Passive approaches work (most active managers don't beat the market over time).
- Most individual investors lag market returns because of behavioural factors (overconfidence, and buying high/selling low).
- professional advice can add value to a portfolio by helping clients contain behavioural risk.
So, whether its coaching you to DIY, or providing a plan with access to professionally managed products, Capital Perspectives can help put you on the right path to securing your future.