Joyce has served shoppers all through his skilled life, first as a Chartered Skilled Accountant (CPA) with a specialty in earnings tax, then as a wealth supervisor with Canada’s largest full-service funding agency, and now as a Licensed Monetary Planner (CFP), managing an advice-only, fee-only monetary planning apply. He brings this mix of expertise and information to every consumer engagement.
When not working, Joyce and his spouse, Sharon, together with their 5 rescue pets, take pleasure in life in St. Margaret’s Bay on the South Shore of Nova Scotia, the place the great thing about the surroundings is exceeded solely by the heat of their neighbours.
| Providers | • Monetary Planning • Funding Planning • Insurance coverage Planning |
| Specializations | • Insurance coverage Planning • Retirement Earnings Planning • Tax Planning |
| Fee Mannequin | • Charges paid by shoppers for recommendation (not primarily based on property) |
| Languages written and spoken | • English |
Why did you grow to be a planner?
I’ve all the time believed within the energy of context. It offers readability to a problem and/or state of affairs. As a wealth supervisor, I found that serving to shoppers to develop their very own imaginative and prescient for the longer term, and a path to get there, offered them with each the context and the framework to make the choices required to understand their desires.
What’s your method to monetary planning?
We don’t all put on blue fits. Each consumer is exclusive. It’s vital to have a versatile course of to determine and adapt to the distinctive circumstances and goals of each consumer.
What’s your proudest achievement as a monetary planner?
I can’t consider one particular achievement. Having a consumer thank me for serving to them obtain higher command over their monetary future is affirmation that what we do as monetary planners makes a constructive distinction in folks’s lives.
What would you do if cash had been no object?
Personal and function a craft-beer taproom, the place I might pour draught and chat with prospects till closing time.
What’s the finest cash recommendation you ever obtained?
Gradual and regular along with your core investments. Solely swing for the fences when you possibly can afford to lose all of it.
What’s the worst cash recommendation you ever obtained?
“Debt is nice”—with out the right context.