The significance of money is only to the extent that it allows you to do those things that are important to you.




MICHAEL ANDREWS

Wealth Advisor & Co-Branch Manager

Author of Your Time is Now

OUR DIFFERENCE

To help you have a genuine sense of freedom and security - beyond just money - to do the things you want to do, knowing we will look after the rest.

We start with a meaningful, genuine conversation about what is important to you and creating a shared vision and roadmap to guide us.

Investment Planning is more about focusing on protecting and growing your money through asset allocation rather than an issue of which stock, bond or money manager is best.

We adhere to an investment viewpoint which focuses on:

  • Risk and return are related
  • Each client is unique
  • Simplify the jargon and unclutter the investment process to enhance your understanding of what you own and why you own it

The four components of Wealth Management are:

  1. Financial Analysis
  2. Risk Management
  3. Tax Strategies
  4. Wealth Transfer Strategies

Managing your money without understanding the four components of your financial life is not advising, it’s just selling. We advise.

We are commited to providing world class service and being accountable in all we do.

We follow the C.A.R.E. Principle:

Be Candid
Be Authentic
Have the Right People
Execute on what we say

In the end it boils down to people. Our team is one of the best.

Our advice is clear, concise and candid. We are built on knowledge and experience, not marketing hype.

Authentic and knowledgable is what we are.
Honesty and confidentiality are what we provide.

We deliver what we say we are going to do and when we say we will do it.

WHO WE ARE

  • THE ANDEWS GROUP

    Since 1987, Mike Andrews has had client service at the front of his mind. Mike’s goal then, and The Andrews Group’s goal today, is to have a significant, positive impact beyond just money in the lives of our clients; to help you have a genuine sense of freedom and security to do the things they want to do.

    From a single individual to a thriving, multi-faceted team, The Andrews Group has succeeded based on our desire to consistently innovate, be different and be a leader in the industry, while always providing exemplary advice and client service. We want to make a difference in our client’s lives, freeing their time through our wealth planning services to allow them to do what they enjoy. We are always looking ahead so that our clients can enjoy the present and be prepared for the future.

  • THE FIRM

    Assante Wealth Management's history traces back to the early 1980s when professionals at two respected Canadian investment firms recognized that the financial industry was becoming too complex and impersonal. They decided to create a company that would provide a broader, more integrated suite of services delivered from a single source. As a wholly-owned subsidiary of CI Financial Corp., Assante's distinctive offering is backed by the resources of CI.

    CI (TSX: CIX) is a diversified wealth management firm and a true success story. Since it began managing money in 1965, CI has grown into one of the top three firms in its industry, with approximately $120.7 billion in assets under management as at March 31, 2017.

OUR SERVICES

We free our clients time to do the things they enjoy, we protect them from potential dangers, we guide them through complexities, and we provide clarity of the present, a road map for the future, and advice that touches every aspect of their life.

  • INTEGRATED WEALTH PLANNING

    Wealth planning is not an event, but an ongoing process, integrating all aspects of your wealth including money and family dynamics.

    Are all aspects of your wealth represented in your current plan?

  • ESTATE PLANNING

    You have worked hard for your assets. We will work just as hard to structure your wealth so your goals are achieved and executed in the most tax efficient, harmonious way possible.

    Do you have a plan in place for your passing?

  • PHILANTHROPY

    Our clients are passionate about helping family, friends, and their communities. Any planned charitable giving must fit into your financial and personal goals.

    How can you best use your money to make a difference in the lives of others?

  • INSURANCE / RISK MANAGEMENT

    Areas of vulnerability can have an adverse effect on your financial security, and insurance can be a component of risk management. Our belief is that insurance with a purpose is a strategy. Without a real purpose, insurance is a product that is sold. We always discover the purpose within the bigger wealth plan.

    Is your family or business going to be protected in the event of an unforeseen tragedy?



    Insurance products and services are provided through Assante Estate and Insurance Services Inc.

  • BUSINESS SUCCESSION / SALE PLANNING

    The decision to sell a business – whether to family members or not, is a pivotal moment in an entrepreneur’s life. Expertise and planning is required to establish a value while minimizing taxes and reducing the risk of any negative feelings between family members.

    Are you prepared for any issues that might arise on the sale of your business?

  • RETIREMENT PLANNING

    Peace of mind and knowing your wealth will last your lifetime and beyond is a priority for our clients. We work to determine precisely what your lifestyle needs are, while you only have to focus on what’s important to you.

    Do you know what your current lifestyle costs are today? How much money will you need for your retirement goals?

  • PORTFOLIO DESIGN

    Our approach is based on evidence-based research, not marketing hype. We utilize institutional money managers known for their discipline, focus, and ethical standards, who have a consistent long term performance record.

    Can you distinguish between a marketing pitch and an authentic investment strategy?

OUR APPROACH

  • DISCOVERY
    Get to know you

  • UNDERSTANDING
    Genuinely listen to your story

  • CREATION
    Establish a plan that is distinctively yours

  • IMPLEMENTATION
    Put the plan in place with the same level of care as we would our own

  • PROTECTION
    Prevent you from making a big mistake

  • FOCUS
    Concentrate on what is controllable and important

  • MONITORING
    Diligently review your plan and progress

  • EVOLVUTION
    Revisit and update plan as required

OUR TEAM

OUR TEAM

Mike AndrewsBIO
Wealth Advisor & Co-Branch Manager
Chad ButnariBIO
Wealth Advisor
Susan PattersonBIO
Client Service Associate & Co-Branch Manager
Chris HornBIO
Associate Wealth Advisor
Beth NormanBIO
Administrative Associate
Tami GibbBIO
Associate Wealth Advisor

MIKE ANDREWS

Wealth Advisor
Education and accreditations

Business- Finance
Certified Financial Planner
Registered Financial Planner
Certified Investment Manager
Fellow of the Canadian Securities Institute

What do you enjoy most about wealth management?
Helping our clients make great financial decisions that have a positive impact on their lives. Helping clients make clear choices when facing a complex issue.

What are the biggest challenges?
Prudently and empathetically planning for potential circumstances that are beyond our direct control. Helping clients feel comfortable and confident with passing wealth (business or money) to future generations and doing so in an effective way that encourages the children to be productive, motivated, and good stewards of the wealth.

What do you love most about being part of The Andrews Group?
I love working with individuals who aspire to be challenged, who aspire to be part of something that is different, that is better and most importantly who really strive to have a positive, meaningful impact in our clients’ lives.

What qualities of yours makes you best suited to do what you do?
My passion, vision, and unwavering commitment to building the ultimate client service organization.

My curiosity and caring to really discover what is important to our clients by asking challenging, reflective questions that provoke thoughts, decisions and creative solutions that others may not take the time to find.

How should people think about their wealth?
Wealth means something different to each person. No matter how each person defines it, wealth creates options which can have a productive or destructive influence on individuals, families and businesses. At a minimum, people’s wealth should provide them with peace of mind.

What do you love to do outside of work?
I like exploring, whether it be on a mountain bike or trekking into remote areas. Besides generally working to stay physically fit, karate is another activity I value.

What would you be doing if you weren’t working for The Andrews Group?
Being the founding partner, I truly can’t imagine being any place else.

What personal accomplishments are you most proud of?
My relationship with my daughters and close friends.

What professional accomplishment are you most proud of?
Creating a business that is bigger and better than just me.

What was the most influential book you’ve read and why?
The E-Myth by Michael Gerber because it helped me understand the difference between owning a business and having a job.

Education and accreditations

Business- Finance
Certified Financial Planner
Registered Financial Planner
Certified Investment Manager
Fellow of the Canadian Securities Institute


CHAD BUTNARI

Wealth Advisor
Education and accreditations

MBA (finance)
Business degree
Certified Financial Planner

What do you enjoy most about wealth management?
Helping our clients feel comfortable and secure so they can focus on what is most important in their lives.

What do you love most about being part of The Andrews Group?
The team approach we take to making our clients’ lives better. We all work together to provide the best experience possible for our clients.

What quality of yours makes you best suited to do what you do?
I think my candid and caring nature allows me to have insightful conversations with clients which allows us to find the best solution possible.

How should people think about their wealth?
They should think about it as a means to an end, not an end in itself. Our clients have important goals and achievements they would like to accomplish and their money is simply a vehicle to help them do those things that are important to them.

What do you love to do outside of work?
Spend time with friends, family, cook, martial arts (jiu jitsu) training, and working on my personal fitness.

What would you be doing if you weren’t working for The Andrews Group?
Before pursuing a career in financial services, I had seriously considered going to law school and becoming a lawyer.

What personal accomplishments are you most proud of?
Raising our children, Olivia and Leo, completing my MBA, as well the hard work and dedication I’ve put in to pursue my personal journey in martial arts.

What professional accomplishment are you most proud of?
Courage and belief in myself (and others around me) to take chances to create a career that allows me to do what I love every day.

What was the most influential book you’ve read and why?
In grade school a read a book called The Giver. It helped me understand the importance of experiencing real emotions in life and that a utopian society in which people are all “the same” ultimately will not allow for personal satisfaction.
I also enjoy regularly listening to podcasts. A couple of my favourites are Tim Ferriss, he helps me think outside the box and realize you can create the life you want for yourself. Hardcore History helps put things into a perspective of having an appreciation for the way we live today.

Education and accreditations

MBA (finance)
Business degree
Certified Financial Planner


SUSAN PATTERSON

Client Service Associate & Co-Branch Manager
Education and accreditations

Education and accreditations
Hospitality Management Diploma
Canadian Securities Course
Wealth Management Essentials Course
Branch Manager Certification

What do you enjoy most about wealth management?
Interacting with clients and providing them with a positive experience. I like that I’m part of a team that takes pride in helping clients accomplish their goals.

What’s the biggest challenge?
Helping clients through difficult markets and helping them understand and maintain perspective.

What do you love most about being part of The Andrews Group?
Being part of a team that cares about the client.

What quality of yours makes you best suited to do what you do?
I’m a positive, patient, upbeat person.

How should people think about their wealth?
They should plan and protect it, not spend beyond their means.

What do you love to do outside of work?
I like to ski, spend time outside, cottaging, travel, and visiting with family and friends.

What would you be doing if you weren’t working for The Andrews Group?
Most likely I would be working in some other type of client service role.

What personal accomplishments are you most proud of?
I am most proud of traveling internationally on my own when I was young.

What professional accomplishment are you most proud of?
I am most proud of the position I have currently and the positive feedback our clients provide to me.

What was the most influential book you’ve read and why?
Eat That Frog. It helped me with procrastinating and to get the hard stuff over first.

Education and accreditations

Education and accreditations
Hotel and Restaurant Management Diploma
Canadian Securities Course
Wealth Management Essentials course
Branch Manager Certification


CHRIS HORN

Associate Wealth Advisor
Education and accreditations

University of Waterloo, Honours Bachelor of Arts degree in Sports Business and a Minor degree in Accounting.

What do you enjoy most about wealth management?
To put it simply, I enjoy helping clients achieve what they want with their hard-earned money. I also enjoy being a “go to” for any needs a client may have regarding their finances.

What do you love most about being part of The Andrews Group?
The opportunity to work with a small, tight knit professional team. Coming from the banking sector, you don’t get the same kind of team, client centred environment as you do within The Andrews Group (TAG).

What quality of yours makes you best suited to do what you do?
My genuine care, positive attitude, and respect towards people. The trust that is earned over time provides a safe, confidential environment from which to form a strong, long term client relationship. This will allow us to help our clients accomplish great things have a memorable journey along the way.

How should people think about their wealth?
People should think about their wealth as something that is hard earned and unique to them. The uniqueness of it is simply how and what they want to do with it for themselves and/or for their family.

What do you love to do outside of work?
I love to remain active by playing, watching, and coaching sports, like: baseball, basketball, golf and football. I also love to spend time with family and friends, visiting and playing board games.

What would you be doing if you weren’t working for The Andrews Group?
If I wasn’t working for TAG, I would like to get involved in some sort of youth sports non-for-profit organization and teach kids varying levels of sports that they can’t afford to be put in by their parents.

What personal accomplishments are you most proud of?
I am most proud of being the first in my family to complete University and doing it with a major and minor degree. I am also proud to have played very high level, semi-pro baseball.

What professional accomplishment are you most proud of?
I am proud to have acquired key financial designations. I am also proud to have been nominated for employee awards at both of the previous financial institutions where I have worked.

What was the most influential book you’ve read and why?
Having deep seated roots in sports, it may be surprising but the most influential book I have read is Michael Jordan’s Autobiography. Seeing how one of the greatest athlete’s ever, struggled to make it and how he blossomed into a global icon was very interesting and inspiring. Comparing his struggles and some of my personal challenges reinforced for me that resiliency and tenacity are essential character traits to have in my own life.

Education and accreditations

University of Waterloo, Honours Bachelor of Arts degree in Sports Business and a Minor degree in Accounting.


BETH NORMAN

Administrative Associate
Education and accreditations

University of Toronto - Bachelor of Arts (Honours)
Major in English with a double minor in history and music history
Canadian Securities Course

What do you enjoy most about wealth management?
Helping clients achieve their goals and dreams.

What’s the biggest challenge?
Helping clients adhere to their long-term plan through unpredictable market conditions.

What do you love most about being part of The Andrews Group?
The genuine enthusiasm, creativity and passion that the whole team brings to work each day.

What quality of yours makes you best suited to do what you do?
I have a very open and caring personality, and I am very trustworthy. I thrive on establishing genuine connections with clients, and as a result, I help create a very warm and welcoming environment.

How should people think about their wealth?
I have a very open and caring personality, and I am very trustworthy. I thrive on establishing genuine connections with clients, and as a result, I help create a very warm and welcoming environment.

What do you love to do outside of work?
I am very family oriented, my husband Chris and I spend the great majority of our time at the rink, marvelling at our two budding pro hockey players Cole and Sophia. We also love to walk our puppy Stella as a family, exploring local trails and parks.

What would you be doing if you weren’t working for The Andrews Group?
If I wasn’t working for The Andrews Group, I would most likely be working in another client services or relationship management role.

What personal accomplishments are you most proud of?
I am so incredibly proud of my children and my husband. They are wonderfully considerate and caring people, and I am honoured to call them my family.

What professional accomplishment are you most proud of?
I am very proud of the professional designations I have obtained, and look forward to expanding my wealth planning education.

What was the most influential book you’ve read and why?
“Oh, The Places You’ll Go” by Dr. Seuss. My husband and I read this book to both of our children from tummy to toddler, and my Dad even quoted the book in his speech at our wedding. Though it may seem like an odd choice, the lessons and guidance in the book are timeless and profound. “You’re off to great places! Today is your day! Your mountain is waiting so.... get on your way!”

Education and accreditations

Canadian Securities Course – In progress
Event and Meeting Management Certificate – George Brown College
Aesthetics Certificate – Fanshawe College


TAMI GIBB

Associate Wealth Advisor
Education and accreditations

Certified Financial Planner
Financial Management Advisor

What do you enjoy most about wealth management?
Developing close relationships with clients and being instrumental in helping them establish and live out their personal dreams.

What’s the biggest challenge?
Helping clients maintain a perspective by keeping emotions out of their decisions and ensuring they stay true to their wealth plan despite market turmoil and “street buzz”.

What quality of yours makes you best suited to do what you do?
My listening skills, empathy and attention to detail. I sincerely want to create an environment of trust and confidence for our clients.

How should people think about their wealth?
People should feel proud of what they have accomplished and take the time to enjoy the opportunities and experiences their wealth brings them.

What do you love to do outside of work?
I love spending time with family and friends. I am also a voracious reader. Theatre, photography, dining out, and walking my dogs round out the list.

What would you be doing if you weren’t working for The Andrews Group?
I would probably be working in some aspect with dogs, maybe a doggie day care, fostering or working with a rescue organization.

What personal accomplishments are you most proud of?
Raising three amazing children who have all grown up to be happy, kind and thoughtful young adults.

What professional accomplishment are you most proud of?
Attaining my Certified Financial Planner (CFP) and Financial Management Advisor (FMA) designations while working full time and raising three young children.

What was the most influential book you’ve read and why?
The Glass Castle by Jeannette Walls. Despite an extremely dysfunctional mother, an alcoholic father and abject poverty, she went on to become a successful woman and author.

Education and accreditations

Certified Financial Planner
Financial Management Advisor

OUR CLIENTS

The Andrews Group works with business families, both active and retired or about to go through a transition process.

Our service is ideally designed to serve and benefit those who are serious about their personal financial freedom, and have important financial and life goals. Our clients want their money managed prudently and intelligently based on logic not marketing hype, and are seeking a long term, trusting relationship with a professional advisor.

We seek relationships with individuals or families who value family, friends and community, and have a desire to “give back” or “pay forward” their time or a portion of their good fortune. We want our clients to see the whole process of creating an investment and wealth plan as a priority and be committed to its implementation.