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| Brent Keylock CFP, FMA, FCSI Wealth Advisor & Financial Planner |
Pilar Vasquez Administrative Associate |
You know how important it is to grow and protect your wealth now and for future generations. In ScotiaMcLeod, you will find a respected leader to serve your needs. We are a premier financial services provider that offers wealth strategy, investment management, and a broad spectrum of comprehensive yet customizable services for affluent individuals and families.
Brent Keylock’s specialty is in providing Customized Wealth Management Solutions to ensure your financial household is in excellent health–both today and in the future. Using proven long-term financial strategies along with an active investment management style he will enhance the consistency of your portfolio returns. All of this so your aspirations take root, income needs are met, legacies grow, and family trees flourish.
Brent has worked in the financial services industry since 1999 and with ScotiaMcleod since 2002 specializing in Customized Wealth Management Solutions.
He holds the Certified Financial Planner designation, which is the only internationally recognized financial planning designation. The CFP (www.cfp-ca.org) designation is a hallmark of professional excellence in which trust can be placed, and it is at the forefront of the international development of financial planning as a profession.
He has also completed the Canadian Securities course and the Wealth Management Techniques course, thereby granting him the Financial Management Advisor designation. The FMA (www.csi.ca) designation provides a mastery of knowledge to help counsel individuals and corporate clients concerning complex wealth management issues beyond the scope of basic financial planning.
Brent’s FCSI (www.fcsi.ca) designation is awarded to industry professionals whose superior training and experience exemplify excellence. It is recognized as the highest honour in the financial services industry. This designation is the most senior financial services designation available in the Canadian marketplace. Representing individual integrity and unrivalled professionalism, the designation of Fellow of CSI (FCSI)® is reserved for financial services professionals who have met the most exacting standards for industry experience, advanced education and solid endorsement from their peers and superiors.
Pilar has worked in the financial services industry since 2005 and joined ScotiaMcLeod in 2009. She works closely with our clients to provide administrative expertise. As an Administrative Associate, Pilar brings experience, knowledge, and dedication to our team.
As a financial planning expert, I like to take a holistic approach to financial management, looking at your total assets and objectives and then giving strategic advice on how to meet your financial goals.
My style is very collaborative. I bring together a team of professionals to provide you with the total financial solutions you need to help reach your financial goals. I will work with you to help assess your whole financial picture and create a plan that is perfect for you.
My goal is to help you achieve peace of mind by providing trusted advice and personalized solutions to meet your financial goals.
Many financial planners talk about investment philosophy as though it were an absolute guide to how your investments should be managed. In actual fact, the philosophy that governs your investments comes from the combination of your own attitudes and unique situation together with the approach, experience, and knowledge of the advisor.
There are three common elements to an investment philosophy – balance, diversification, and discipline.
Balance
Life is all about balance. How much time you spend working needs to be balanced against the time you give towards family, your own personal hobbies, and the community around you. It goes without saying that your investment strategy must also be balanced.
When we talk about balance, we are not only referring to a “balanced portfolio” but a balance between an individual’s appetite for risk and that person’s expectations of investment returns or growth. In other words, an investment strategy must begin with a realistic assessment of how much return can be generated for a given degree of risk. When an investor has an extremely low tolerance for market swings it would be suggested that investments, such as government bonds, be considered.
However, it is unrealistic to assume double-digit annual returns over the long-term from these types of investment vehicles. For this reason, I believe there is no such thing as spending too much time with a client to explain the risk-reward trade-offs associated with every type of investment being considered, and to ensure that the strategy we put in place matches the client’s own risk tolerance.
Diversification
Studies have shown that 90% of a portfolio’s volatility can be accounted for by how the assets in the portfolio are allocated. The more diversified the portfolio, the less risk there should be. Some believe that this means having the right mix of stocks and bonds; however, we must also make sure that there is diversification within the equity component of your portfolio as well as in the holdings of bonds.
For example, just as an individual shouldn’t have too much weighting in a particular stock market sector or company, the bond portfolio should also be diversified across federal, provincial, and municipal governments, as well as corporate bonds. It is also important to consider investing in global markets to further diversify.
At the same time, investors should realize that there comes a point where simply adding securities and investments to the portfolio, for the sake of diversification, doesn’t achieve any material increase in diversification. Therefore, I not only take the time to ensure that my clients’ portfolios are diversified, but that they are efficient and not complicated.
ScotiaMcLeod was originally formed as a partnership in February 1921 by four young entrepreneurs: Donald Ivan McLeod, William Ewart Young, James Gordon Weir and John Henry Ratcliffe. The foundation laid by these men was rooted in trust, financial expertise, and innovation – strengths that have prevailed ever since.
By the 1970s, McLeod, Young, Weir diversified to offer a full range of investment services including bond, stock and money market trading, corporate and government finance, mergers and acquisitions, commodities and futures, personal investment services, and mutual funds. In 1987, the Bank of Nova Scotia purchased McLeod, Young, Weir having identified it as one of the most established and respected firms in the industry.
Today, ScotiaMcLeod is the investment arm of Scotiabank, and a division of Scotia Capital Inc. Scotiabank is one of Canada’s largest financial organizations with over $280 billion in assets. Scotia Capital is a proven corporate and investment banking leader, and contributes to making the Scotiabank Group one of North America’s premier financial institutions and Canada’s most international bank. We are a leading financial services provider, with over 800 advisors serving clients in more than 70 offices across the country.
Working within the Scotiabank Group of Companies, they can coordinate a team of experts to integrate protection, trust, legal, estate planning, borrowing and banking services within a total financial solution to clients. ScotiaMcLeod has earned a reputation for integrity based on our standards of excellence, quality service, and a commitment to doing what’s right for our clients. We help our clients achieve peace of mind by providing trusted advice and personalized solutions to meet their financial goals.
- Our disciplined investment philosophy.
We take a long-term approach to investing while managing risk. - Financial solutions that are personalized to your needs.
Your advisor works with a team of experts to deliver solutions for all facets of your financial life. - Regular reviews and continuous monitoring.
To ensure your strategies remain appropriate and necessary adjustments are made, we conduct regular reviews of your financial situation.