Our Method

The Pellegrini Financial TeamIn today’s complex tax, legal and financial world, it is important for you to have an advisor, who is able to coordinate these areas, provide clear and consistent guidance and ensure your future is everything you want it to be.

Pellegrini Financial has been committed to providing the highest level of integrated financial advice to our clients for 25 years. We believe in a “carry the ball” approach to dealing with financial issues. Perry Pellegrini, Ryan Morcom, Parker Pellegrini and Our Team provide an experienced approach to comprehensive financial planning, including: income planning, tax planning, investment management and estate planning.

We are uniquely qualified to provide clear and consistent guidance in financial areas. Perry Pellegrini holds designations as a Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (CH.F.C.). Ryan Morcom, holds a business diploma and designations as a Certified Financial Planner (CFP®) and Elder Planning Counselor (EPC). Parker Pellegrini is a Professional Engineer (P. Eng.) and currently a Chartered Financial Analyst (CFA) Charter candidate.

We take care in understanding the issues most important in our client’s personal and financial lives, and provide the peace of mind that client’s issues are always addressed with utmost thoroughness.

Pellegrini Financial focuses on these key areas:

  • Retirement Income Planning, to ensure client’s financial resources can meet the cash flow needs over time.
  • Tax Efficient Investing, to maximize returns over time, and reduce the burden of tax.
  • Estate Planning, so clients can pass on what they have, to whom they want, the way they want.

Our team serves a diverse group of clients, including: retiring farmers, business owners, affluent seniors and fast track retirees.

In today’s complex tax, legal and financial world, it is important that YOUR team has someone you can go to. Our success comes down to our absolute commitment of being the “go to” resource for our clients.

Liquidity 

Access to liquid cash is a critical part of any Financial and Investment Plan. We encourage the use of a Money Market Fund to hold cash set aside for liquidity. Such funds are available that pay competitive interest rates. This is an excellent place for farm sale clients to direct the deposit of their farm sale proceeds.

Cash Flow

Looking after tomorrow's cash flow is of little relevance if you can't afford to live today. You might consider a system using "laddered" GICs to guarantee cash flow needs for at least five years. The cash required for Year 1 could be held in a money market fund with monthly transfers to your chequing account. An equal amount is held in four separate GICs with maturities spanning four years. As the first year is used up, a GIC will mature to provide the funds needed for the next year. The "growth" part of your portfolio can be examined to find the money to add a new GIC each year.

Growth 

Your future needs are looked after with a well balanced and diversified portfolio of investment assets that are intended to provide solid returns while maintaining your level of comfort. Investment assets and funds are chosen that vary by type, geography and management style. Tax efficiency is a key element.