Welcome. As an Assante advisor, my goal is to help clients achieve financial independence and the kind of life they want to live.

I do this by developing comprehensive and personalized financial strategies tailored to their personal dreams and goals. It starts with two questions where are you now? And where do you want to be? My role is to help you get where you want to be in the most efficient way.

Behind us are the resources and expertise of Assante, one of Canada's largest independent non-bank owned financial services firms. As your Assante Advisor I offer integrated and comprehensive financial planning, wealth management, investments, tax and estate services, insurance, and retirement planning.

As an Assante advisor, I believe every client deserves exceptional service. That's why I get to know my clients - their jobs, their family, and their aspirations - and pride myself on delivering financial solutions to simplify and enhance their lives.

Please take the time to browse through the website. On it you'll find important information about:

• Retirement planning
• Tax saving strategies
• Estate Planning
• Articles on current financial topics;
• Legacy & Risk Minimization
• What to look for in an advisor and how Assante's unique combination of personalized service, expertise and choice is hard to beat
• What to expect from me as your Assante Advisor - our background and expertise
• What sets Assante apart from other financial services firms - our history and how we've grown rapidly across Canada by delivering Life Management Solutions^TM

Best Regards,

Glenn Scissons

1-800-600-3197

My mission is to simplify and enhance the lives of clients by providing integrated financial and Life Management Solutions^TM by looking at a clients financial picture and finding a tax efficient way to maximize their net worth. Each client has unique objectives & I find ways to meet those objectives in such a way that they can have the most peace of mind possible.This allows them too concentrate on the things that are important to them.

The Family Wealth Circle^TM

A Comprehensive Life Management System For Families Who Want to Enjoy Confidence and Comfort For All Thier Financial Affairs.

Description of Program Components:

1.The Discovery Process: Our first step is to discover "What's important about Money To You"? and have a discussion to learn about your fundamental values. Once completed, this will serve as the cornerstone of a strategy that aligns those values with your financial decision making process, thus enabling you to reach your long term goals.

2. Establishing Your Milestones: What are your family's 3 most important current financial goals? When do you want them accomplished? How much will it cost?

3. Taking a Snapshot: We'll look at "where you are now" under 4 headings: cash reserves, debt, risk management and growth.

4. The Financial Independence Roadmap: Now we'll determine exactly what you need to do to reach your family's personal mildstones, and chart your family's course for a better financial future. Specifically, we'll come up with an exact dollar number, savings rate, and targeted rate of return required for your planned retirement and other goals in order to make work "optional".
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The first four components are completed in the first meeting which I call the Key Start Session. It's at the end of this meeting that you decide whether you'd like to be a part of The Family Wealth Circle.
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5. Comprehensive Assessment: All documents are reviewed and analyzed to form the basis of your master plan.

6. Develop Your Personalized Master Plan: This plan addresses all aspects of your relevant financial affairs and includes analysis, scenarios, commentary and recommendations relating to everything that affects your family's wealth. Including your net worth, your cash flow, your investment portfolio, to tax savings strategies, education planning and everything in between. The financial independence roadmap points the direction, the master plan contains the "how to" and fills in the details of the journey.

7. The Tax MiniMiser^TM: By working closely with your legal and tax advisors we conduct a thorough review of your current tax situation. We identify strategies to minimize the taxes you pay on a household basis legally. By analyzing your situation, we often uncover strategies that can save you and your family thousands of dollars annually.

8. The Investment Policy Statement: An Investment Policy Statement is a business plan covering one's personal financial affairs. It provides a direction and a framework within which investment decisions can be made rationally.
In the absence of an I.P.S., investment decisions are often driven by the twin emotions of fear and greed, governed by heavy reliance on the daily market activity as a guide. The results of this approach have been that investors have achieved significantly lower returns than they could have. Integral to the development of your IPS is our Investor Profile. This document identifies your characteristics as an investor in order that the Investment Policy Statement can develop a plan consistent with your situation.
The IPS recommends a specific asset allocation, a range of investments, geographic diversification, and different management styles and projects an expected rate of return.

9. Legacy and Insurance: In this step we arrange your estate to offset the impact of taxation and protect your families important assets. By doing so, you will be able to endow meaningful legacies to succeeding generations and to your community, should you so choose. If you are already retired our focus is to ensure that, in today's dollars, you continue to enjoy your retirement in the standard of living to which you have been accustomed.
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Steps 5 through 9 require approximately four to six weeks to complete from the time I receive all the necessary data and may be discussed over a couple meetings.
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10. Implement Master Plan: We clearly identify the most important steps to be taken and implement them in order of priority. When recommendations are in priority order, implementation is easier. Completion leads to a sense of satisfaction and energy and real progress.

11. Regular Review and Continued Education: Once the Master Plan is prepared and implementation begins, it's important to review progress and make fine-tuning adjustments to it as necessary on an ongoing basis. Provision is made for semi annual meetings throughout the year. During the meeting we will keep you informed , up to date and confident about your financial future. This will help ensure successful implementation of your Master Plan. Amoung other things, we will

• Compare investment progress to appropriate benchmarks
• Update you on issues of interest and importance
• Inform and educate so you can tune out the daily "financial pornography" to which we are all subjected, allowing focus on fundamental principles necessary for success.

-- As you'll note the circle has eleven components, which are sequenced and integrated, so as to ensure optimum results.






Founded in 1995, Assante Wealth Management is a leading provider of integrated wealth management solutions, designed to meet the needs and goals of individuals, families and businesses across Canada.

Our advisors and their clients are at the centre of our business and are supported by the exceptional investment management team and wealth planning group available through our sister-company, CI Investment Inc. and United Financial, a division of CI Private Counsel LP.

Be well-advised is our promise to you.

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