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Leadership – Relationship – Creativity
BlueRock Wealth Management Inc. has had a strong presence in the Greater Georgian Bay Area for over 20 years. Previously known as Noble Financial, BlueRock began as the financial services division at Noble Insurance.
In 1993, Neal Owen joined the Noble team to manage the financial services division. He brought with him experience as an advisor at Prudential of America and as an independent broker. Over the course of next sixteen years, the division grew and the demand for wealth management services was clearly apparent. Eventually in 2009, it became the independent company now known at BlueRock Wealth Management Inc.
BlueRock is always looking for ways to advance its services including continuous professional development, evolving client workshops and resources, and an expanding network of outside professional partners. We promise to deliver solid advice in a comfortable and friendly atmosphere, as well as a financial plan to last for generations.
Our biggest job at BlueRock Wealth Management is to ensure that you experience life the way you want. When you clearly understand your financial situation, you are able to gain a sense of peace about where you stand today and your ability to enjoy the future.
Our Promise
Everyday, the BlueRock team delivers outstanding service to clients and the community. Here at BlueRock, we keep your interests and happiness above everything else. That is why one promise is just not enough.
1. Professional expertise
Our staff are experts in their field. Matched with the utmost professionalism, we will work together to create personalized solutions that work for you.
2. Client focused
Incomparable personal service and our full attention await you at BlueRock. Your values and interests come first. Let us "sweat the details" so you are free to focus on your personal and professional lives.
3. Comfortable and friendly atmosphere
We are committed to providing our clients with a friendly, familiar face and comfortable atmosphere. While we focus on your financial success, your time with us will be stress free and enjoyable.
4. Open communication
Open communication is key to building strong relationships with our clients. We will answer your questions, respond to requests and solve any issues in a timely manner. You can be sure to be included and informed along every step of the process.
5. Forward thinking
We are committed to continuous growth and development in order to provide greater value to our clients. We stay on top of industry trends and financial matters, and encourage ongoing professional development among staff.
6. Proactive practices
We keep our clients in mind all of the time. If we can strengthen your financial plan or offer a new / updated product, we will be the first to let you know.
7. Long term relationships
We understand people and relationships just as well as the business side of things. An extended working relationship with our clients not only makes our work enjoyable, but provides reliable long term financial success.
8. Trustworthy
Our excellent reputation not only stems from our exceptional personal service and expertise, but also from our superior business practices. Our clients and community can depend on us to help in any way we can.
9. Community commitment
We are committed to supporting and participating in a vibrant, healthy and active community in the Georgian Bay area.
THE BLUEROCK PROCESS™ BUSINESS
DEVELOP A STRATEGIC PLAN
Let our professional and knowledgeable staff guide you through our comprehensive strategic planning process. With our expertise, we will outline your goals and develop a reliable financial plan that will last you and your business for generations to come.
WE HELP YOU WITH
• A plan to preserve the working capital of your company
• A secure source of income to the spouse, independent of the operating company
• A clearly documented and funded plan to deal with the future control of your business (succession)
• A retirement plan for the founder, independent of the business (income protection)
• An employee retention (attraction) program
1. INTRODUCTORY MEETING
• Learn more about you
• Discover what your values are
• Understand what is important
to you for your future
2. GATHER DATA & PREPARE PLAN
Our expert team will:
• Review your personal information
• Customize a financial plan to meet
your goals and objectives
• Design a realistic plan
3. PRESENT YOUR PLAN
• Review the plan together in detail
• Clarify any questions
• Make adjustments if required
4. IMPLEMENTATION
• Complete a final review
• Discuss preparations and actions
• Put your plan in motion
5. REGULAR REVIEWS
• Your plan is now in place
• Make adjustments with life changes
• Review all milestones and set new goals
THE BLUEROCK PROCESS™ INDIVIDUAL
DEVELOP A STRATEGIC PLAN
Let our professional and knowledgeable staff guide you through our comprehensive strategic planning process. With our expertise, we will outline your goals and develop a reliable financial plan that will last you and your family for generations to come.
WE HELP YOU WITH
• A debt management strategy
• Asset growth
• Risk management (income protection)
• A retirement plan
1. INTRODUCTORY MEETING
• Learn more about you
• Discover what your values are
• Understand what is important
to you for your future
2. GATHER DATA & PREPARE PLAN
Our expert team will:
• Review your personal information
• Customize a financial plan to meet
your goals and objectives
• Design a realistic plan
3. PRESENT YOUR PLAN
• Review the plan together in detail
• Clarify any questions
• Make adjustments if required
4. IMPLEMENTATION
• Complete a final review
• Discuss preparations and actions
• Put your plan in motion
5. REGULAR REVIEWS
• Your plan is now in place
• Make adjustments with life changes
• Review all milestones and set new goals
Community Involvement
BlueRock Wealth Management is committed to making a lasting difference in the community. We take our role seriously in helping to shape society and making it a better place for the present, as well as for future generations. We strive to support worthwhile causes and participate in community events – ranging from fundraising activities to sports and anything in between. One step at a time, we know that our involvement is having a positive effect not only on the community well-being, but on ourselves as well.
Neal's Ten Commandments
1. Thou shall not speculate.
2. Thou shall not follow tips.
3. Thou shall not follow investment fads.
4. Thou shall not invest in commodities.
5. Thou shall not churn or excessively trade.
6. Thou shall have a long-term plan.
7. Thou shall review goals.
8. Thou shall be realistic.
9. Thou shall invest according to plan.
10. Thou shall invest consistently for the long term.
BlueRock Wealth Management partners with Manulife Bank to offer a range of banking products and services.
Mortgages:
Manulife One
Be mortgage-free years sooner. Manulife One is a revolutionary way to manage your personal finances.
The Manulife One account combines your traditional mortgage, personal loans and lines of credit with your chequing account, short-term savings and day-to-day finances (including your income) into a single personal borrowing and chequing account. This one step alone can save you thousands and simplify your finances like no other product you have had before.
High-interest Deposit Accounts:
Advantage Account
Advantage Account is a high-interest, full-access, low fee chequing account that can be used as your primary bank account or as a secondary investment account. This account combines the liquidity of a traditional chequing account with the interest of a short-term GIC or money market fund. Advantage Account's features and benefits are unrivalled in the marketplace.
Business Advantage Account
Business Advantage Account (BAA) is a high-interest* investment account designed as the ideal complement to a traditional operating account. This account can be used by a broad range of incorporated and unincorporated organizations such as small businesses, charitable organizations, associations, unions and clubs. BAA also works well as a trust account, providing security, accessibility and growth for money held in trust.
Account holders can simply transfer or deposit excess cash into their BAA, earn a high rate of interest and then easily access the cash again when they need it. This allows the excess cash to earn a high rate of interest without requiring the owner to manage T-bills or buy Money Market funds.
Loans
Whether you need a line of credit for that next big purchase or you'd like to give a boost to your registered or non-registered retirement savings, we have the type of loan to meet your needs.
Investment Loans**
If you want to contribute to the non-registered portion of your retirement fund, you may want to consider a Manulife Bank Investment Loan. Investment leverage can be a powerful strategy. To learn how it works, view our Understanding Investment Leverage Flash presentation, then speak to us to discuss if this approach is right for you.
Line of Credit
One of the keys to financial security is the ability to borrow money quickly and cost-effectively when the need arises. A line of credit can be a flexible, low-cost way to access cash or reduce the cost of existing loans.
RRSP Loans**
Don't let a lack of cash keep you from making this year's RRSP contribution. An RRSP loan can realize tax savings, potentially increase the eventual size of your RRSP and help you stick to your savings plan. We offer an attractive floating rate and no fees.
An RRSP Loan can help your clients get their retirement savings plan on track and grow their savings through the power of compounding.
Manulife Bank Guaranteed Investment Certificates (GICs)
GICs give your portfolio guaranteed growth and reassurance that your money is secure. However, buying a GIC that's right for you may not be as straightforward as you might think. GICs feature a wide range of interest rates, terms and options and many Canadians end up with a lower interest rate or less flexibility than they wanted.
The many benefits of GICs
Whether you're looking for a low-risk investment or an effective way to diversify your portfolio, there are many benefits to GICs:
• Growth - Your investment is guaranteed to grow, regardless of how the markets perform.
• Dependability - your interest rate is guaranteed not to fluctuate throughout the term.
• Security - your original investment will be returned with interest at maturity, guaranteed.
• Flexibility - ideal inside or outside your RRSP, you can choose the term and interest options that are right for you.
• Simplicity - an investment that's guaranteed to grow - what could be simpler?
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Client Stories
"I would like to thank Neal Owen and the BlueRock Wealth Management team for the exemplary service they provide, both for my corporate and personal needs. BlueRock administers a comprehensive and extensive range of services that are presented in a professional, trustworthy and friendly manner. I have highly benefited from the knowledgeable recommendations and counsel received from Neal and his team, and I look forward to continued years of service."
Janice Tonnos,
Director, LeRoux Froebel Bilingual School
"We are happy to refer Neal to friends and family. He has gone out of his way to help Mark in the past when he really needed it -- something that Mark and I will always appreciate. Not to mention the patience that the BlueRock team has had with us! We are very happy to have heard such positive things about Neal from our referrals."
Jennifer Edwards,
Client
"Neal and his team offer a wide spectrum of services and are highly professional. They are very knowledgeable, true specialists and walk the talk. I enjoy working with Neal and look forward to continuing our work together."
Jim Koch, President,
Midland Toyota
"I just wanted to gush about how awesome you have been and how grateful I am to have you in our lives. My father passed away before he could see me move forward with my career, so male mentors are few and far between. You have been a source of encouragement, strength and constant positivity. We are eternally grateful for all that you have done and all that you will undoubtedly continue to do with us in the years ahead."
Marjorie Dixon, Gynecologist
"Neal has gone the extra mile for me in helping me have direction for my retirement. Doing a plan has made me feel comfortable and showed me that I'd be in a position to retire at age 60 – that put me at ease."
Brian Newell,
Self-Employed, Sales
"It is always a pleasure to hear from Neal. He was very considerate when helping both my parents with their finances. I appreciate his thoughtfulness when I lost my mother recently – just another example of his quality character. It is tough losing my second parent, especially since we had become much closer and developed a close relationship before her passing. Neal was among those that helped me through that difficult, emotional ordeal. Thank you, Neal!"
Mike McNeil
"I have been a client of Neal's for almost 25 years. I see Neal as a coach who provides good financial advice. He is very honest and does the right thing for me. He stays in touch, visits and reviews my business a couple of times a year."
Dave Ziegler,
President, Southampton Flour Company
"Neal has gone the extra mile and has helped me determine a direction for my retirement plans. Having a plan makes me feel comfortable and has shown me that I'll be in a position to retire at age 60 – that puts me at ease."
Brian Newell, Self-Employed, Sales
"Neal has a good understanding of our family farm operation and is involved in all aspects of our business. He is personable, easy to speak to, a good listener and available when you need him."
Jim Milligan, Owner, Milligan Fuels
"I have a strong relationship with Neal. He responds very quickly to his areas of expertise and has the right answer, at the right time. I have seen that he cares about his clients. I provide referrals to Neal in my professional capacity because I know he'll do a good job."
Ken Miller,
Accountant, Gaviller & Company LLP
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Corporate Clients
Employee Benefits
For many businesses, providing employees with a group benefit plan is the best option. BlueRock works with top benefit providers including Manulife, Sun Life and Great West Life, allowing us to coordinate and implement a customized group benefit plan. This will ensure you meet all of your health, dental, life insurance and long-term disability needs.
Business Continuation
How well would your business function if something happened to you? To ensure that your business continues to flourish, we recommend having a business continuation strategy and the appropriate insurance products to facilitate it. At BlueRock, we will provide you with reliable advice to ensure your business will succeed.
Succession Planning
Have you given serious consideration to who will run your business after you decide to leave? Succession planning is an important process and can help answer all of your questions. At BlueRock, we can help you develop a comprehensive succession plan to ensure a smooth transition.
Buy Sell Agreements & Protection
Certain circumstances can lead to the sale of a business and/or buyout of an owner, including death, disability or an owner wanting to leave. A thorough Buy Sell agreement will map out the terms of ownership and operation of the business if these situations arise. At BlueRock, we can review your Buy Sell Agreement and offer protection for it, such as Life Insurance. Certain protections can be a valuable solution to fund a Buy Sell Agreement when an owner dies.
Key Person Insurance
Your business likely has a 'key person' on staff who is pivotal to your success. That's why having protection for that person is crucial. Key Person Insurance provides a timely injection of tax-free capital should your business suffer the loss of your key person due to disability or death.
Tax and Estate Planning
From ensuring your family's financial well being after you have passed, to paving the way for the continued success of your business, tax and estate planning is imperative. Enlisting an expert's guidance is also key, since this type of planning can be extremely complicated. At BlueRock, we can provide advanced estate planning advice to minimize taxes, and provide peace of mind and continued wealth for your family.
Individual Clients
Value Based Financial Planning
BlueRock Wealth Management Inc's experts provide value based financial planning services, customized to meet your needs. We will help you determine your financial personality, from your goals and objectives to your specific investment preferences, allowing you to feel comfortable and confident in making financial decisions. Together, we will then create and execute a plan that has tailor made financial options and strategies.
Retirement Planning
Retirement Planning is crucial in ensuring a comfortable future for you and your family. The BlueRock team will advise you about the different strategies and investment options that will allow you to enjoy the retirement lifestyle of your dreams. Our customized retirement plans will not only help you accumulate savings, but will provide a diversified investment portfolio, a sustainable income and a roadmap to the "good life" you have worked so hard for.
Investment Planning
BlueRock will help you make informed investment decisions by planning for the short and long term and strategizing to enhance your wealth. You will learn about the financial products and services available to you and build a diversified portfolio that meets your lifestyle needs. We will monitor and review your investment progress every step of the way to ensure we are in touch with your goals at all times.
Risk Management
Life is full of risks. While you cannot control what might happen, you can definitely be prepared for it. Our Risk Management specialists will provide you with options that can protect your family and lifestyle. This includes various forms of insurance including:
• Life Insurance - With Life Insurance, you are investing in something sacred – the protection of your family's financial security. At BlueRock, we can provide you with either Temporary or Permanent Life Insurance plans, all of which provide the protection you need.
• Critical Illness Insurance - Critical Illness coverage can protect you and your family from potential hardships in the event you were diagnosed with a serious illness. Providing a lump sum, non-taxable payment 30 days after diagnosis, this coverage offers much needed financial security and peace of mind.
• Disability Insurance - A disability can severely limit a person's quality of life and potential for income. By investing in disability insurance, you can receive the income needed to support you and your family.
• Long-Term Care Insurance - Long-Term Care Insurance provides income to pay for a long-term care facility or a home caregiver in the event that you or your loved one has a serious health setback.
• Health and Dental Insurance - Health and dental expenses can prove to be costly. At BlueRock, we work with established companies such as Manulife and Blue Cross, to provide you with the right type of health and dental coverage options.
Tax and Estate Planning
The BlueRock team will provide you with reliable tax and estate planning expertise. With our strategies, we can help to minimize the taxes payable out of your estate in the unfortunate event of your death. We can also reduce the fees charged to process your Will and make the process of passing on your assets to loved ones smooth and efficient.
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Contact
ADDRESS
1 Hurontario Street, Box 185
Collingwood, ON L9Y 3Z5
Phone: 705-443-5599
Fax: 705-445-2643
plans@bluerockwealth.ca