Clutch Financial Solutions

2150 Islington Avenue - Suite 400, Toronto, ON M9P 3V4 .:. Telephone: 416-234-6388

WHAT WE DO & HOW WE DO IT

Simply put "We Manage Money". That's what we do, yet, it's not that simple. Managing money isn't only about finding the correct product or allocating funds or keeping cash flow in check. It's much more encompassing than that — it's also about realizing your goals, protection and legacy.

Our advisors use a schedule called Navigator to touch every facet of our clients' financial position both in the present and into the future. Navigator is a comprehensive approach that includes such elements as financial planning, tax planning, insurance and estate planning. We have partnered with experts in these fields to deliver our clients an uncompromising course to managing money.

The hallmark of Navigator is an ongoing dialogue between advisor and client. Scheduled reviews ensure the client is always aware of their how their investments are performing, how far along they are in achieving their financial goals and what new measures, if any, are necessary to implement as a result of changing economic cycles.

It's your money, your future — we believe it's imperative you understand every step along the way.


		Financial Plan: A completed financial plan will be prepared and delivered to you.
		Tax Planning: Tax returns are completed and future tax planning strategies are explored.
		Living Benefits: Your guide to income protection against critical illness, disability & long term care.
		Estate Planning: Will preparation or review, power of attorney and estate transfer.
		Strategies: Discover the correct strategy to maximize wealth creation and preservation.

PORTFOLIO REVIEW

At Clutch Financial Solutions, a part of our ongoing dialogue is practicing active portfolio review. An account analyst reviews market conditions on a daily basis. With segregated funds, we are able to reset your position and capture gains.

We provide a complete breakdown of your portfolio including assets managed, geographic weighting, management expense ratios for each fund, asset mix - fixed income, equities and cash percentages and provide each client the ability to produce their own reports on their portfolios via a secure site.

Online reports are generated and uploaded by our office. Clients are supplied with a unique login name and password to view their portfolios. Reports are updated regularily and are available online 24 hours a day.

Need more information? Just ask!

QUICK GLOSSARY

Annuity: A series of regular periodic payments comprising of principal and interest. An annuity is a contract providing a series of regular payments.

Derivatives: Financial contracts whose values are derived from an underlying asset, index or reference rate, such as interest rates, foreign exchange rates, or equity or commodity prices.

Inter Vivos: Refers to a trust established during the lifetime of the person setting up the trust (the "settlor"), as opposed to a "testamentary" trust in a will which takes effect only at death.

RRSP Meltdown: Leveraging strategy. Borrow money to invest and slowly liquidate your RRSP to pay the interest on your loan. Since the cost of borrowing for investment purposes is tax deductible, the tax due on your annual RRSP income is nil.

Rule of 72: The rule is that the number 72 divided by the rate of return of your investment equals the number of years it takes for your investment to double.

Segregated Funds: Assets are held separate or ‘segregated' from the general assets of the company. This financial insulation adds to their financial strength and stability.

Universal Life Insurance: Provides coverage for your entire life and builds up savings over time. Unlike whole life, you can use the interest from your accumulated savings to help pay your premiums, which are flexible.

INSURANCE COMPANIES WE REPRESENT