Lynden Hawes Email and Phone Number

Whether you're working or retired, would you like to know that your income is secure? Would you like to know that the income from your savings will last for your lifetime? If you already know this, terrific. But what if you could get a higher income or faster accumulation using only what you have now? ♦The Secure Income Process♦ can help you do that. How? By understanding how each part of your financial life interacts with the others. You can prune the inefficiencies and harness the synergies. At Castle Financial we work with you to create tax minimization strategies. We help you grow and protect your assets. And at last, turn them into secure income. Call or email today. lynden@castlefinancial.net 403-770-1609 There is no obligation created by finding out if we can work together to secure your income.

Why do individual investors often seem to be in a craps shoot? Sometimes they win, but more often they lose. Wouldn't you rather have your money managed like the super wealthy or the large pension funds that never seem to lose? What is their advantage? Many academic studies have shown that asset allocation accounts for between 90% and 100% of both a portfolio’s risk and return. (16 Feb 2012, Enterprising Investor; “Setting the Record Straight on Asset Allocation,” David Larrabee, CFA -see link below) Yet most mutual fund managers are locked into one asset class by style, geographic region, industry or company size. This leaves you with two choices: 1)You and your advisor take responsibility for the all important task of asset allocation -something most advisors are not qualified to do. 2) You can choose a static computer-maintained asset balance often based on your age or time till retirement. You’ve probably heard that the amount allocated to stocks should be 100 minus your age. Good start, but it doesn’t account for two things. First, complexity. If “asset class” takes just industry, geography, company size, currency, bond type and length to maturity into account, you can see that there are hundreds of asset classes to consider. Second, fixed allocations assume that market conditions are always constant. What do pensions, and the super wealthy do differently? They gather a group of highly qualified experts to allocate all assets in a portfolio as an integrated whole. Portfolio mandates are based on objectives: growth, income or capital preservation. It is the managers' responsibility to adjust asset allocations to maintain these objectives through ever changing market conditions. This is why I do what I’m qualified to do. I help you clarify your objectives and map your plan through the tax maze. Then I will introduce you to experts who can truly fulfill your objectives.Click below to learn more or call me at 403-770-1609

Did you ever wonder why investment management is so expensive? Or why the main thing you get from your advisor is more and more paper?Wealthsimple 4 Advisors solves both of these problems. They slash fee's by automating most of what used to be done on paper. Better yet, all of your "paper" is conveniently filed and organized for you on the cloud. You will never need to hunt for that tax slip again. You get instant reporting any time of the night or day and NO paper. And, you know it is secure. The Engineers responsible for cyber security originally developed the platform for their own investments. It was then they realized that everyone needed this.This platform enables your asset manager to focus on asset management, not account administration. I spend my time focused on what makes you money rather than filling out paper that costs you money.Wealthsimple is Canada's premier fintech company. Backed by Power Corp it is built in Canada by Canadians for the world. They now have offices in London and New York. Major banks are scrambling to catch up.Contact me to see how convenience costs less. 403-770-1609 or lynden@castlefinancial.net

Consult regarding charitable life insurance and annuities

Advisor Contracted with Manulife since 1994