Ryan Lee
Founder | Financial Planner
I began my career in financial planning based in Vancouver, Canada since 2011 after completing a bachelor’s degree with a major in finance and accounting. Throughout the years, I’ve worked with people from all walks of life and have seen the good and the bad in different financial situations.
Money isn’t everything. As the famous Warren Buffet used to say, “Money can’t change how many people love you or how healthy you are.” That being said, without good control over your finances, it can prevent you from doing the things that are most important to you in life.
Everyone’s lives are different and each person has their own unique goals and struggles, so textbook answers or templated advice just ain’t enough if you want to get the most out of life with your money.
That’s why my goal is to weed out the irrelevant noise and provide no-BS financial advice so people can focus on the things that matter most to them, without the financial stress.
Our Holistic Approach
1.
Discovery
What’s on your mind and what do you want for your life?
This is the first and most important question where it's all about understanding you and your life goals and priorities.
2.
Analysis
Once we have a deeper understanding of what matters to you, we’ll get to know your current financial situation to figure out how you can get to where you want to go.
3.
Recommendations
After reviewing and summarizing your current finances, we’ll come up with recommendations and show you the big picture on the things we can work on together.
This is also when we will provide you with possible plans to choose from based on the financial planning services you need.
4.
Implementation
According to your priorities, we will tackle one area at a time and implement our plans layer by layer and explain to you how each part makes sense and plays together for your financial future.
5.
Periodic Review
They say the only constant in life is change.
Once we have a solid plan in place, we will continue to review with you regularly and adjust our plans accordingly as your life and goals change.
Pillars of Financial Planning
Tax Planning
Optimize your asset allocation (which accounts/ investments your money is at) based on your priorities to save as much taxes as possible
Analyze how your decisions will impact your current and future tax obligations
Assess the right timing of purchasing/ selling your investments to minimize your taxes
Determine the priority of which investments accounts you should withdraw from to be the most tax-efficient
Portfolio Management
Review your existing investments from work or privately to make sure you’re properly diversified for the best and most consistent returns
Actively manage a diversified investment portfolio that aligns with your goals and risk tolerance
Monitor your portfolio performance and review regularly to ensure we’re on the right track
Make adjustments as needed based on market conditions or changes in your personal circumstances
Risk Management
Identify the financial risks that can potentially disrupt your future plans
Assess the income you need or ideally want in the event something unexpected should happen
Review your existing insurance coverage from work or privately to see if it meets your needs
Develop strategies to safeguard your financial future in the most cost-effective way
House/
Mortgage Planning
Figure out the quickest and most efficient way to accumulate your down payment for a home
Evaluate your mortgage needs and options to create a suitable budget for property purchase
Analyze your current and future cash flow to make sure you can still live comfortably when owning a home
Develop a mortgage payoff strategy to save thousands in interest and pay your mortgage off years earlier