Foster Financial · Scotia Wealth Management

Wealth is a state of being, not a number. We define wealth in three layers. Of course, it begins with earning money – that part is up to you. But many people often considered wealthy are still stressed about money. Being wealthy involves protecting and growing your wealth in such a way that you have less financial worry – that is where we come in. Most importantly, wealth in our view, is using your money to live the life you desire with the ones you love and shaping your legacy – which together we will strive to define and achieve for you. Easing the mind about money is no easy task. We believe it begins with education – knowledge is power. Our investment philosophy is based on empirical research of Nobel laureates and other prominent academics in finance. Historical performance provides evidence that constructing a portfolio of diversified low-cost index investment vehicles has the highest probability of long-term success. Rather than stock picking, we focus on

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