Why I am different from other financial planners
• Complete independence
• Conflict-free recommendations and solutions
• Complete transparency of fees, investments and all transactions
• A true alternative to traditional retail investment products and recommendations from banks, insurance companies and mutual fund companies
Why is Evolution Different
1. INDEPENDENCE2. TRANSPARENCY - FEES & RETURNS3. CLIENT EDUCATION4. PROACTIVE SERVICE5. EFFICIENT & EFFECTIVE DIVERSIFICATION
We believe this to be one of our greatest competitive advantages. We do not work for a bank, insurance company or mutual fund company; we work for our clients. We chose to sit on the same side of the table as our clients unlike the majority of our competitors. The financial industry in Canada is plagued with conflicts of interest between the client and the financial services provider. We have previously worked for insurance companies, banks and private investment firms and have experienced firsthand the suasion that is put on advisers by the company to sell what is most profitable for the company. Our interests are aligned with the interests of our clients. We have no incentive to ‘churn’ accounts or to sell or recommend any specific products or any specific Portfolio Manager.
When it comes to your investments, what you don’t see or know can hurt you. If you don’t see (or know) exactly how much you are paying for your investments, you are probably paying too much and fees make a difference to your investment success. If you don’t know or can’t see exactly what your performance has been on your investments then how do you know if you are on track to achieve your goals. How do you know whether or not you will run out of money in your retirement. Our clients have access to reports every month that disclose exactly what their returns have been for that month, the previous 3 months, 6 months, year to date, past 12 months, 2 years, 3 years, 5 years and since the inception of their account. Our clients also know exactly what stocks, bonds and ETFs they own each and every day. This type of transparency is generally not available for mutual funds or pooled funds. 
A wise man once said that “the more you learn, the more you earn” and we believe this principle applies to your investments. We have learned over many years that the more clients understand their portfolio and its holdings, the more comfortable and confident they are with their finances. The more clients understand how risk affects their investments and how they can profit from volatility in the markets, the more assured they are that they will attain their goals. We spend far more time educating our clients when the relationship process begins so that they do not make emotional decisions that can negatively affect their investment success. 
In order to ensure that all clients have a clear understanding of where they are, where they are going and how they are doing we strive to ensure that this is accomplished through regular communications, including what we believe are the best reports available in the industry, market updates from all of the portfolio managers that we work with, regular face to face and telephone meetings with our clients and with the portfolios managers who are managing our clients’ investments. Unlike most investors, our clients have direct access to the portfolio managers who are actually making the investment decision n their portfolios. We strive to return phone calls and emails the same day they are received. Finally, we will only deal with a limited number of clients in order to ensure proactive management of the relationship with all of our clients.
Investors should diversify their investments for one primary reason – to mitigate risk. Efficient and effective diversification is not achieved by having different Portfolio Managers manage your investments without knowing what each other are investing in so as to avoid duplication of holdings. We have seen examples of high net worth individuals whose portfolios at a Private Wealth Manager held over 65% of the assets in the bank’s own in-house pooled funds where the couple owned the same bank stocks in as many as 11 different accounts. This is not diversification, it is “diworsification”. Efficient and effective diversification is achieved by having different portfolio managers with expertise in different investment strategies combining their talents to create a unique solution custom designed to achieve the investor’s specific goals in a manner consistent with their risk tolerance while at all times knowing what the other portfolio managers are investing in. Most investors would agree with these statements, however, it has been our experience that fewer than you can imagine actually implement this type of diversification strategy. 