Business Details
Your Trusted Partner for Financial Planning Solutions
We are an independent financial planning and investment firm dedicated to helping clients create, preserve, and protect personal wealth. Our team of seasoned professionals brings over 61 years of combined industry experience, offering tailored solutions in financial planning, investment management, risk management, and estate planning. As independent advisors, we prioritize client needs over institutional interests, serving a diverse base of more than 550 households.Our expertise spans comprehensive financial strategies, tax planning, and insurance solutions, ensuring clients achieve long-term financial security. We maintain affiliations with leading regulatory bodies, including the Canadian Investment Regulatory Organization, and collaborate with trusted partners to deliver holistic services. Our commitment to transparency, ethical practices, and personalized guidance distinguishes us in the financial advisory landscape.
Services
Financial Planning
Investment Management
Risk Management
Estate Planning
Insurance Services
Highlights and features
- We offer 61+ years of combined experience in financial advisory services.
- Our independent approach prioritizes client needs over institutional interests.
- We provide comprehensive solutions spanning investment, risk, and estate management.
- Our team holds elite certifications including CFP, CLU, and CH.F.C.
- We maintain transparent communication and ethical financial practices.
Associations and certifications
- Canadian Investment Protection Fund
- Canadian Investment Regulatory Organization
Services
Financial Planning
We develop personalized financial roadmaps addressing wealth accumulation, retirement readiness, and tax optimization. Our approach combines risk assessment with long-term investment strategies to align with client goals. Services cater to individuals and business owners seeking structured financial security.
Investment Management
Our investment services include diversified portfolio creation using mutual funds, segregated funds, and GICs. We tailor strategies for growth, income, or liquidity needs across registered and non-registered accounts. Ongoing performance monitoring ensures alignment with market conditions and client objectives.
Risk Management
We address catastrophic financial risks through life, disability, critical illness, and long-term care insurance. Our brokerage services compare policies to find cost-effective solutions for protecting income and assets against unforeseen events impacting financial stability.
Estate Planning
Estate planning services focus on legacy preservation through wills, trusts, and tax-efficient wealth transfer strategies. We coordinate legal and financial instruments to ensure client wishes are executed while minimizing probate costs and tax liabilities.
Insurance Services
We provide comprehensive insurance products including term/universal life policies, disability coverage, and critical illness protection. Our brokerage approach compares multiple providers to secure policies matching client risk profiles and financial protection needs.
People
David E. Gramlich
Certified Financial Planner
David holds a BSc in Economics and Mathematics from UVic. With CFP, CLU, and CH.F.C designations, he specializes in comprehensive financial planning and tax strategies since 1993.
David A. Howe
Financial Advisor
David brings expertise in investment and risk management since entering the industry in 1994. His focus includes estate planning solutions and serving business owners' financial needs.
Questions
What services does Assante Financial Management offer?
We specialize in financial planning, investment management, risk mitigation, estate planning, and insurance solutions tailored to individual and business needs.
Are your advisors certified professionals?
Yes, our team holds prestigious certifications including Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (CH.F.C).
How do you ensure client funds are protected?
We operate under strict regulatory oversight through the Canadian Investment Regulatory Organization and Canadian Investment Protection Fund for added security.
Do you work with clients outside Victoria, BC?
While based in Victoria, we serve clients across Canada through personalized digital consultations and strategic partnerships.
What investment options are available?
We offer diversified portfolios including mutual funds, segregated funds, GICs, and tailored solutions for growth, income, or liquidity objectives.
How do you handle estate planning?
Our estate planning services focus on wealth transfer strategies, tax optimization, and ensuring client legacy goals are met through legal and financial frameworks.
