About Us


Introduction



We are Certified Financial Planners (CFPs) with over 35 years of combined financial planning experience. Our experience has equipped to analyze the complexity of your circumstance and to help you achieve your financial planning objectives with confidence.

Our practice is organized around ensuring that we clearly articulate to you what we do, how we do it and the results that you can expect from working with us. Through this approach, we simplify your financial planning experience, and ultimately your lives, by helping you prepare you for the ultimate goal of a financially secure retirement.

Achieving the ultimate goal of retirement fulfillment can mean different things to different people, but at its core, it is about having a clear picture of who you want to be in retirement. It starts with being prepared – emotionally, financially, socially, and physically — for what can be one of the most exciting times in a person's life. How prepared are you for retirement? Working with us just might be the peace of mind you need to help secure your future.

Our Mission

To educate, motivate and empower you to gain a sense of financial freedom and control that comes from having a personalized financial plan.

Our Value Proposition

We are an independent full service financial planning and wealth management practice. Concentrating exclusively on that business, we are dedicated solely to the quality management of the financial and wealth management interests of our clients.

We offer a full range of services and products to meet the needs of individuals, families, business professionals, or owner/managers - be it capital growth; investment income; retirement, estate, education tax planning; or life and living benefits insurance coverage. We pride ourselves on providing a level of personal service and attentiveness that has distinguished us in our profession.

About Us - Bringing our individual experiences together


Tom Allain, CFP, RRC

I am an Independent (CFP) Certified Financial Planner specializing in personalized financial and retirement planning. Through a holistic six step comprehensive financial planning process, your financial and retirement planning, investments, insurance estate planning and tax challenges are woven together into a personalized strategy designed to meet your goals and objectives.

Prior to setting sail to establish a Financial Planning practice in 1999, I spent 23 years holding several senior management posts with a fortune 500 company. Now with almost 20 years as an independent financial planner, I find myself deeply committed to my profession. I completed the first of two professional designations in 2001, as a (CFP) Certified Financial Planner, and my most recent professional designation as an (RRC) Registered Retirement Consultant in 2012 now gives me the competence and confidence to simplify the growing complexity of retirement planning and teach our clients about the importance of comprehensive financial planning which includes wealth management and well as risk management with the use of insurance. My passion is in the actual "planning" process and with an uncompromising commitment to excellence, I can attribute my success by recognizing that each client situation is unique and so too are the planning solutions we bring to bear.

I help my clients achieve their goals, present and future; to make the most of life's challenges and changes. My experience has reinforced my belief in the importance of integrity, respect, discipline, and a commitment to service excellence.

Community and Volunteerism

I believe I have an obligation to give back to the community I serve. As a volunteer, I have served as past president and a current board member of the Kiwanis Club of Brampton - a registered children's charity. As well as supporting the business community, having served 6 years as a director on Governing Council
– Brampton Board of Trade.

I believe knowledge is power, and have authored numerous financial planning articles for several publications over the years, and presented a series of financial planning workshops to various groups and the public at large.

Family – My Center of Balance

My wife and business partner Bev, and I have two daughters. I enjoy reading, running, food, photography, and music.

Snigdha Malik, CFP

I grew up with two financially disciplined parents, who lived within their means and saved for retirement, while providing three children with a the best of schooling and a comfortable lifestyle. By embodying these values through the ups and downs in my life, I have turned challenges into opportunities—putting two children through university and thriving through two career transitions. In my second career transition, I found my passion and became a Certified Financial Planner (CFP). My combined personal and professional life experiences have given me perspective, education and passion for financial planning.

My mission is to educate and motivate individuals, families and business owners to implement a strategic lifestyle financial plan; a roadmap to live in the present and save for your future.

As a CFP specializing in lifestyle, financial and retirement planning solutions, I create a personal and customized strategy for my clients. that is an integral path used to meet their goals and objectives using a six step financial planning process.

A 'Financial Plan' is a working document that evolves with life's changes. I invest time to understand long and short term goals, review them regularly and provide strategic advice for my clients to achieve them. The Financial Plan is updated based on each client's life and goals. I believe that a clear vision and a plan of action empowers you to embrace your fears and successes; to enjoy a lifestyle that meets your expectations. Think of me as a GPS that recalculates the route - If you miss a turn or take the wrong road, I will redirect you to your desired destination. I invest time to understand long and short term goals; review them regularly and provide strategic advice for my clients to achieve them. A 'Financial Plan' is a working document that evolves with life's changes. The plan is updated based on each client's life and goals.

I am committed to my profession and learning. I am currently acquiring my CPCA designation (Certified Professional Consultant on Aging). The retirement horizon is changing and the average Canadian lives 30+ years in retirement. My goal is that my clients have the freedom and resources to live the life they want.

As a business owner, I realize the need for affordable and effective benefit plans or customized alternatives and provide optimal solutions to medium and small sized businesses, utilizing tax efficient strategies.

Proud mother, grandmother and happily married to my husband Sat for over 38 years, I practice and teach Yoga and provide Indian Cooking classes, as a fun hobby. This allows me to combine all aspects of my life and have a balanced lifestyle as I impact my clients' financial success.

I give back to my community through my involvement with the Business and Professional Women's Club and United Way of Peel.


Our Team

Under our holistic business model, clients have access to a full range of expertise. We are backed by a well-integrated team of specialists which include lawyers, accountants, actuaries, pension specialists, mortgage professionals, estate planning experts and more. Whenever we come across a situation that would be more appropriately handled by another specialist, we promise that we will make the appropriate referral. It is worth noting, we do not receive referral fees from other professionals to whom you may be referred.

Through the professional staff of our back-office provider, Investia Financial Services Inc., a mutual fund dealership, we are equipped to transact financial services in several fiscal areas designed to meet your needs, including investment savings plans, RRSPs, IPPs, RESPs etc. We also offer insurance based solutions such as annuities, life disability, critical illness, long term care, and group insurance products through our Managing General Agent - National Financial Insurance Agency. It is worth noting, - we are unencumbered by proprietary product constraints. As such, our independence allows us the freedom to act with complete impartiality in looking after our client's best interest.

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