The LiveBy team has a deep respect for the work physicians do and how it impacts the health of our communities. Being married to a doctor himself, Mike Kidney understands physician's unique life milestones and the effect this has on wealth planning. He knows how to develop the best solutions to achieve physicians' specific financial goals.
Physicians, like many, have a career full of possible risks (i.e. a needle prick through medical gloves or being exposed to hazardous chemicals on site). With this in mind, particular attention is devoted to making sure a physician's risk management plan protects their income for themselves and their family.
We always focus on what’s important to you so you can determine what to live by day-to-day. That is why we call our company LiveBY. We advocate ongoing, smart wealth planning to help your hard-earned money work for you.
To help clients achieve success, we have aligned with great resources and provide education in financial literacy. We live and breathe innovation, providing you with wise choices. Our professional designations include: Certified Financial Planner (CFP), Financial Management Advisor (FMA), Chartered Life Underwriter (CLU), Certified Health and Insurance Specialist (CHS), Canadian Investment Advisor (CIM) and a Trust and Estate Practitioner (TEP).
A comprehensive financial plan is a process designed to help inform the direction of financial advice by identifying your unique goals, and building bridges to connect gaps between where you currently are, and where you want to be. Our solutions are researched and updated with current changes to markets, product development, tax and legislative changes. The plan becomes the guide to measure the success of how accurately we are tracking to your goals, while at the same time, capturing changes in goals as they transform over time.
FAQs
We are all about being collaborative and supporting our clients in any way we can. This collaboration might mean sharing some of our client estate planning work with a lawyer or an accountant at a client’s request so they can implement their plans in a clear and concise manner.
Our philosophy is to be proactive rather than reactive. We focus on a full strategic solution to support you and your family and continue to monitor your progress. We help protect your family, not just your things - with unbiased advice.
The creation of a thorough wealth plan identifies what is required to achieve security for you and your family, and acts as a gauge to ensure we are tracking toward those objectives. Sometimes unforeseen factors can be a distraction from what is truly needed to attain those initial goals, and having a plan can act as an important reminder not to get off-course.
We have two payment models available, so you can pick the one that suits you best. In the first model, we are paid in a variety of ways. We receive a commission by the insurance companies for putting your risk management plan in place. For mortgages, we get paid a referral fee and for investments, we sometimes receive a trailer commission from the investment firm. If you prefer, we also have a fee-for-service model. Connect to learn more.