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Our B.R.I.D.G.E. Process

B.R.I.D.G.E Process

B.R.I.D.G.E Process

We have developed and refined our financial planning experience into our time-tested B.R.I.D.G.E. Process which helps to ensure a thorough and systematic approach to planning, guiding our clients from understanding their needs through the ongoing evaluation and monitoring of their financial strategy.

B - Build Understanding

We begin by thoroughly understanding your financial situation, needs, priorities, and values

R - Review and Gather Data

We collect and review detailed quantitative and qualitative information about your finances

I - Identify Goals

We work with you to identify, clarify, and prioritize your financial goals

D - Design & Refine the Plan

We then utilize all data and analysis to create a personalized financial plan tailored to your objectives

G - Green Light the Plan! 

We work with you to implement the agreed-upon plan, working toward ensuring all steps are executed properly 

E - Evaluate and Monitor Progress

We regularly review and work with you to adjust your plan as required to help ensure it stays on track toward achieving your goals

Individualized client care defines our business philosophy. Financial advising is a craft honed by experience and our financial experience, accounting and banking background make us qualified to advise our clients. Dave Scott is a CERTIFIED FINANCIAL PLANNER® professional, Nick Kibble is a Certified Plan Fiduciary Advisor and both are Investment Advisor Representatives and therefore are held to a fiduciary standard, in advisory relationships. Acting in the interest of our clients first is our number one priority.

We are committed to implementing a plan that fully addresses your concerns, needs, and goals in order to help care for you and your loved ones. LPL Financials’ independent advisor platform helps to ensure that we have no proprietary products: our focus is the customer.

David E. Scott, CFP® and Nicholas J. Kibble, AAMS®, CPFA®

Our Investment Approach

We manage investments based on research from both LPL Financial’s independent research team and other well-known professional money managers such as Black Rock, Morningstar, and Cougar Global Investments LP. Our local LPL Financial office in Sault Ste. Marie is supported by over 6,900 LPL Financial employees with technology and compliance services, practice management programs, training, and independent research to further enable our team in delivering some of the best service possible.

New Client Proceedings

Our experience has taught us the importance of taking a holistic, bottom-up approach with each new client in regards to financial advising. When starting out with a new client, we first like to review a listing of assets, liabilities, and cash-flow so we can truly understand his or her current financial state. After detailed discussion, we design a plan that considers our client’s short-term and long-term goals, investment risk tolerance, estate planning needs, and risk management considerations, while applying tax-efficient strategies, tools, and techniques. LPL Financial does not provide tax or legal advice or services. Please consult your qualified tax or legal advisor regarding your specific situation.

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About Our Firm