David is a Certified Financial Planner (CFP) licensee who has met all of the certification requirements of the Financial Planners Standards Council of Canada. In addition to this, he has earned a Certificate in Financial Planning from the Canadian Institute of Financial Planning. In 1998, the Canadian Securities Institute also awarded him the Canadian Investment Manager (CIM) designation after completing a rigorous program in professional financial planning and investment management.

He is a firm believer in the six-step Financial Planning Process espoused by the Canadian Association of Financial Planners. "The discipline of the six step financial planning process provides time-tested framework for the application of my specialized knowledge in retirement planning, estate planning and investment management," says David.

David's service is focused on listening carefully to each client's financial goals to tailor a financial strategy that is appropriate to their own unique aspirations and financial circumstances. His recommendations can encompass risk management, tax minimization, investment management, retirement planning and estate planning. Implementation of a financial plan, regular monitoring and periodic re-balancing of the investment strategy to respond to economic forces and life cycle changes are just part of the ongoing service he provides.

"With the resources available in the Fiscal Agents organization, I can offer clients a broad range of financial solutions for the RESP, RRSP and RRIF, GICs and T-bills," says David.

"There are experienced insurance practitioners at Fiscal Agents who can advise on life, accident and sickness insurance. And all advice is truly unbiased since Fiscal Agents operates independently and does not promote proprietary financial products."

A growing part of his professional practice is working with the owners and employees of small and medium sized businesses to establish group retirement plans. These plans include Group Registered Retirement Savings Plans (RRSP), Deferred Profit Sharing Plans (DPSP) and Defined Contribution Pension Plans (DCPP).

David has a special interest in savings plans for post-secondary education. With five children of his own, David realized the necessity of starting a systematic savings plan for university when the kids were young. The Registered Education Savings Plans (RESP) started in 1983 and have been used by each of his children to partially fund their undergraduate education and have been especially important as education costs in the last ten years have increased much faster than the rate of inflation.

"I encourage parents to start a regular savings program for their son or daughter's education when their kids are young," says David.

"That was, they can take full advantage of years of compounding, whether the savings vehicle is an in-trust account or RESP. And with an RESP, there is the added opportunity to benefit from the Canadian Education Savings Grant (CESG) that was introduced in 1998 by the federal government."

"The opportunity to help individuals and families build their financial independence is particularly satisfying," says David. "Plan preparation and execution are vital for success in business. They are also indispensable for success in personal finance."