White Lighthouse Philosophy
The core of our philosophy and approach is based on our
guiding principles of W
ducation in order
to best serve the needs of our clients. Every client’s personal financial
planning needs are unique whether they are about retire, fresh out of university and starting their first job, in the middle of a demanding career, raising a family, starting a business, approaching a job change or pursuing their personal passions.
At White Lighthouse Investment Management, the protection of our clients’ best interest is engrained in all decisions we make. We diligently follow The Certified Financial Planning Board’s code of ethics and professional responsibility
. The code requires that CFP®
certificants and candidates for CFP®
certification act as a fiduciary when managing their client’s assets. The fiduciary relationship requires that the fiduciary places the client’s interest first when making decisions on behalf of the client. Additionally, any conflict of interest, when giving investment advice, must be disclosed.
At White Lighthouse Investment Management we work on a fee-only basis when managing your investments. This means that the only compensation we receive is from you, our clients. We receive absolutely no other payments such as: referral fees, sales commissions, marketing commissions, profit sharing, trading fees, performance fees etc. We are only compensated by our clients in order that our advice, and motivation to trade in clients accounts, remains independent and in our clients’ best interest.
We believe that all clients, regardless of the size of their investments, deserve the best service we can provide. Our Approach
for all clients follows a clear process of Discover, Examine, Select, Implement and Monitor and Measure which is governed by our client’s bill of rights
. We don’t refuse any clients based on the potential size of the assets under our management. We do however only work with clients where we feel our service and expertise can meet their needs. As is often the case, we will refer our clients to other specialists, for example tax advisors, accountants, attorneys, insurance agents etc. where their expertise may be required to best meet our clients’ needs. We never take or receive payments for referrals in order that our advice and referrals remain objective.
We will gladly provide any prospective clients with contact details of references in order that they may ask in confidence any questions concerning our client’s experiences with White Lighthouse Investment Management.
White Lighthouse Investment Management is committed to providing exceptional investment management and personal financial planning services to all of our clients. We invite you to contact us
if you would like to learn more.