We use an integrated, balanced approach to managing wealth

The financial sector and its services cover a broad range of industries such as banks, investment companies and insurance firms – each with its own philosophy, products and customer market.

And that’s the problem. At Ciccone McKay, we believe that the key aspects of your financial world are interconnected: your savings, investments, emergency funds, insurance and tax planning. Our approach is to manage these five critical components together, rather than separately by experts not in communication or in sync with each other – or with you and your ultimate goals. The separate, silo approach can create gaps and serious shortcomings. It can result in a program that misses the mark in achieving you and your family’s financial goals.

By taking a wholistic approach, Ciccone McKay integrates and balances the five different aspects. We then provide you with the interrelated services, products and expertise for achieving your best possible future. No gaps, no shortcomings, no surprises.

We are planners first

Yes, Ciccone McKay is a financial service firm with activities in banking, investing and insurance. And yes, we are also a financial products firm with access to the goods, accounts and investments our clients need. However, we view ourselves as planners first. Planning is at the heart of what we do.

This viewpoint puts us in a collaborative relationship with our clients, as opposed to a more traditional, transactional role. As planners, we investigate, strategize, research and solve problems concerning our clients’ financial lives.

Planning is the methodology we use to help us understand: who you are; where you’re at; what you want from your future; and how best to get you there. It’s this planning first mindset and process that enable precise, best-option decision-making and best overall solutions in services, products and expertise – now and at all stages of your financial present and future.

We are an independent firm

Ciccone McKay is not tied to a bank or any other large institution. We have no quotas to fill, nor are we limited to the services and products of a few suppliers. As a financial advisory firm, we are in the business of providing honest, unbiased advice to help our clients better manage, grow and protect their wealth.

Simply put, this means we focus on your needs over anyone else’s. Being independent of any one product or institution, we are free to shop the market on your behalf. We then present you with the best advice, direction and options for meeting your goals.

We’re skilled professionals working in collaboration for each individual client

The Ciccone McKay team includes a variety of specialists, with education, experience and certification in one or more fields, including: Certified Financial Planning (CFP), Chartered Accountant (CA), Chartered Financial Analyst (CFA), Trust and Estate Practitioner (TEP) and Chartered Life Underwriter (CLU).

When you work with Ciccone McKay, that full advisory team takes an all-hands-on-deck approach to serving you. Each member is charged with a role. Each brings their expertise to bear on the creation and implementation of your plan. And our team’s commitment doesn’t stop there. As with everyone, your financial and life conditions evolve over time. We will work to sustain and modify the elements of your plan as needed.

We stay connected and engaged with you – and with your goals

Too often, in the pursuit of new business, financial firms neglect the clients they already have. Not at Ciccone McKay. At our firm we greatly value every client, always. We stay engaged with you; we keep aligned with your needs and goals.

Our commitment to clients is unwavering: personal, one-on-one connections over long-term relationships. We regularly provide you with the most up-to-date, accurate information on your holdings. And, besides quarterly and annual reviews, you’ll receive monthly statements, an e-newsletter and timely market commentaries. But the connections don’t stop there. You at all times have access to all our resources, from specialist advice to useful events and recommended reading, videos and reports.

We take care of the details – so you don’t have to

Details, details. It takes a lot of admin work to coordinate, implement, execute and maintain a proper financial plan. There are just so many moving pieces to manage: from the applications, transfer forms and filings, to the verifications, signatures, and compliance requisitions.

That’s where Ciccone McKay comes in. Our admin team is set up and mandated to do the heavy lifting for you. We facilitate all the things you need to do. Because we’re dedicated to taking the stress out of documentation, paperwork, red tape and follow-up. Our goal is for you to relax and take comfort – knowing that we’ve got your back and have the details taken care of.

We’ll make you smarter about your financial future

We are a financial services and planning resource, giving you access to all the information and expertise we have to understand and find balance in your financial planning. This starts in our very first meetings and carries on throughout our working relationship. Before we do anything, we want be sure that you understand and you feel like you are involved in your financial direction, not just a spectator.

Our Insights section can give you the basis for truly understanding the financial and economic issues that affect your wealth management, risk management, succession and estate planning, and more. We also host webinars and stage events that bring in leading industry professionals to speak on wide variety of topics – from investing and will planning, to insurance and proper budgeting.

There is nothing hidden when you do business with us

Transparency is our byword. We are upfront with the flat fees we charge for creating your plan, with the fees that suppliers charge, and with the commissions we receive for stock transactions. You will always know, in advance, what any transaction will cost.

We go beyond planning

Creating a financial plan for you is one thing. Who implements the plan is entirely your choice. You can do it yourself or you can go to an investment broker for that part of your plan. But Ciccone McKay can go farther and do the whole implementation for you – from setting up and managing your portfolio, to sourcing a broad range of personal and business insurance and other financial products and services. And since we are completely independent, we can use a wide variety of suppliers to establish exactly the right plan for you.

We follow a logical, proven step-by-step process

To make sure every client gets a financial program customtailored to their situation and goals, we go through these specific steps:

1. Situational analysis
2. Clarify goals and objectives
3. Assemble your team
4. Create your plan
5. Action items and timelines
6. Facilitate implementation
7. Fine-tune and course correct (ongoing as needed)

Those steps mean that you get a financial program that is flexible enough to evolve along with all the changes in your life – giving you an assured future.