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Stewart & Kett Financial Advisors Inc. is an advice-only financial planning firm based in downtown Toronto, with affiliated offices in Montreal, Calgary and Vancouver. We advise business owners, professionals, executives, retirees and their families.
David Stewart and Cynthia Kett established the firm in 1996 as a continuation of their individual financial service careers. David has worked in the personal finance field since 1975 and began his own practice in 1986. Cynthia commenced her career in accounting and tax in 1984 and opened her own financial planning business in 1992.
Objectivity is the foundation of our firm. While there are other approaches to financial planning, we believe the inherent objectivity in our “advice-only” approach enables clients to make better decisions.
Stewart & Kett Financial Advisors Inc. does not earn commissions from financial product sales, fees from assets under management, or referral fees from businesses to whom we refer clients. Our only source of income is fees charged to clients for services rendered.Our clients highly value our “advice-only’ approach because:
1. We are free to consider all options. Our only incentive is to make the most appropriate recommendations for our clients. 
3. We are free to offer a safe environment for clients to fully disclose all aspects of their personal and financial circumstances. As a result, we can more effectively apply our broad-based knowledge and experience to coordinate solutions and to identify opportunities.
We would be pleased to speak or meet with you to determine whether our services would be suited to your planning needs.
Risk Management Service :
* Discuss the types of risk: personal, property, liability
* Analyze the probability and impact of potential loss
* Determine the amount, duration, and the risk to be insured
* Assess life insurance needs: survivors’ needs, estate liquidity, estate value enhancement
* Assess living benefit insurance needs: disability, critical illness, long-term care
* Assess health care insurance needs: medical, dental, travel
* Assess property and casualty insurance needs: home, auto, personal liability
* Analyze and consider insurance product alternatives
Cash Management
he foundation for all financial planning is effective cash management. For most individuals and families, money is a limited resource. Consequently, your financial objectives must be prioritized and your cash inflows allocated accordingly.
If you experience cash shortfalls on a regular basis, you will deplete your existing assets in addition to failing to achieve your future financial goals. Also, without positive cash flows, you cannot invest. As Benjamin Franklin once said, “Money makes money. And the money that money makes, makes more money.” We can help to ensure that you maximize the benefits of your net cash flows.
Personalized Solutions
From time to time you may be faced with making financial decisions that are out of the ordinary and that require some customized analysis to fully understand the choices.
Our experience in dealing with situations that may be similar can enable us to efficiently provide the information and advice that you need to make a good decision.
Personalized solutions to financial decisions may be necessary when life events occur, such as:
* Personal events: birth or adoption of children, marriage, separation, divorce, disability, death in the family, inheritances;
* Employment events: job offers, job severance, benefit plans, stock options, pension choices, business start-up, business succession;
* Other events: moving out of or into Canada, sabbaticals, house purchase or sale, education funding.
Life-event financial decisions are often accompanied with emotion and haste. We can bring reasoned and knowledgeable advice to these types of important decisions.
Contact :
Stewart & Kett Financial Advisors Inc.
Citicorp Place
Suite 911, 123 Front Street West
Toronto, Ontario
M5J 2M2
Canada
Phone: (416) 362-6322
Fax: (416) 362-6302
For details : Stewart & Kett Financial Advisors Inc |
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