Investment Allocation
Once the account allocation and asset allocation has been decided upon, Investment Allocation is the next step.

Investments are screened for suitability to each client's risk tolerance and are included to create the optimal portfolio to achieve your investment goal.

Investments may include - mutual funds, exchange traded funds, platform traded funds, stocks, bonds, commodities, options, segregated fund contracts and principal protected notes.
For Canadian and US stock selection we hired an independent equity research firm that provides extensive fundamental analysis and guidance. 

Unique in their process is their forensic accounting analysis that provides insight into earnings quality lacking at other research firms. 

We believe this focus on quality provides our clients a higher level of risk management.
We utilize mutual funds, exchange traded funds and platform traded funds primarily for the US and  international markets where they have a significant research and tax advantage.
The timing of an entry or exit of a position is done under the guidance of technical analysis to gauge market sentiment. We may find that over the short-term markets are out-of-sync with our long-term outlook and when such a situation arises, it could present itself as an opportunity or a danger. 
For Example

We might fundamentally believe the fair market value (FMV) of stock ABC is worth $10 per share and expect it to double in three years to $20 per share. 

If the stock is currently trading at $12 per share, we will watch the technical indicators to see the likelihood of the price retreating from $12 (a danger signal) and may wait for it to go below $10 per share (an opportunity signal) before buying. 

If the technical indicators show strong momentum to the upside, despite being above our FMV, but the potential to achieve the expected return still exists, we may enter the position to exploit the momentum.

You could reverse the above example where we delay entering a position even if the current price were below our FMV assumption, if the market sentiment has strong momentum to the downside.

Warren Buffett in a recent interview on CNBC

Watch CNBC’s full interview with Berkshire Hathaway 
CEO Warren Buffett

Berkshire Hathaway’s chairman and CEO Warren Buffett sat down with CNBC’s Becky Quick on Monday to answer viewer questions and discuss the top news stories of the morning.

MON, FEB 24 20201:00 PM EST