The Ming & Associates Difference

Knowing the answers to these questions will help you to decide if you want to engage us as your trusted financial advisor.

1. Who are we?

Ming & Associates has over 60 years combined experience in Financial Planning, Banking and Investments and is well positioned to help clients make sound financial decisions.

• Timothy Ming, CFP, P. Eng., MBA
• Donna Villeneuve, CPF, Life Licensed

• Wendy Poirier, Licensed Administrative Assistant
• Heather Hum, Client Relations

Heather works closely with Tim and Donna maintaining client contact while Wendy handles day-to-day client administration.

2. What Do We Do?

We enhance our clients' quality of life and peace of mind through comprehensive financial planning advice & caring customer service.

This is our goal with each client relationship. As best we can, we want to be able to help you create a meaningful comprehensive plan that will allow you to do the things in life that are important to you. We want to work together so that you have confidence in your plan and can live your life to the fullest. We then back this up with personal service and people who care.

3. Why Do We Do What We Do?

We didn't set up our business by accident. Our Core Beliefs that drive everything we do are:

1. We believe that independent financial advice provides the best value for Canadians.
2. We believe our clients are more successful in achieving their goals when they have a plan in place and are ACTIVE in the planning process.
   • A financial plan needs to be built around what's important to you.
3. We believe that success comes from applying the discipline of running a Business to your Personal Finances.
   • This means goals are set, plans are made and followed.
4. We believe that planning and investment advice should be based on proven academic principles.
   • Real long-term wealth is created through value based equity investing.
   • Diversification by asset class is only required to reduce volatility or produce income.
   • Most investors achieve returns significantly lower than their investments due to the poor timing of their purchases and sales.

Take the first step in controlling your future through our proprietary 5-step "Financial Navigation Process". Gain a better understanding of our planning process and what each step involves below:

1. The Discovery Analysis
   • What's important about money to you?
2. The Roadmap to your Destination
   • Planning Projections
   • Investor Policy Statement
3. The Efficiency Check
   • Tax Minimization Strategy
   • Safeguarding your Future
   • Tax Free Estate Transfer
4. Complete Financial Direction
   • Step by step implementation Program
5. The Destination Protection Program
   • Monitoring program for plan & investments
   • Review goals & remain on track

5. Who Have We Done It For?

Our ideal client is someone who wants to delegate their finances to a competent, trustworthy professional team. Our clients are serious about making smart choices with their money and are genuinely nice open-minded people who enjoy life. They also understand there is no short cut to any place worth going and realize that financial planning is about quality of life. Finally, our clients typically have at least $200,000 of investable assets and may own their own business.

6. What Makes Us Different?

As successful independent business people ourselves, we understand first hand how success comes from proper planning. Our approach to planning is based on our proprietary 5-step Financial Navigation Process which ensures that your plan is customized to your needs and integrates and optimizes investment, tax, insurance and estate issues. The depth of analysis behind our recommendations sets us apart from our competition.

We take this skill and experience and add a friendly, sincere and caring approach to service, which makes our clients feel comfortable and confident in their decisions. We firmly believe that it is paramount to be honest and fair in all dealings and recommendations.

7. Why Should You Do Business With Us?

• Our team cares about you and your success! We are always available to talk and give guidance as life unfolds. There will be no voice mail hell or unreturned calls with us!
• Our plans provide you with proper guidance relevant to you. Our Financial Navigation Process ensures you get and remain on track to realizing all of your life goals.
• We enable you to have more time available for a better quality of life so you can enjoy the things that are important to you. This is our real Value!

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