facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

Our Proven Process


We strive to exceed your expectations every day.

At Himmelman & Associates we believe that smart financial planning happens through a disciplined and thorough process. Our approach is comprehensive and systematic, ensuring that every aspect of your financial plan is responsibly addressed for maximum benefit to you.

When you visit us, you will receive a complimentary review and assessment of your financial situation. We look at areas such as your investments, retirement plans, pensions, assets, insurance, taxes, and your short and long-term goals. We also assess the elements that could put your finances at risk. Then we perform a comprehensive analysis to determine the strengths and weaknesses of your current situation, and the solutions that could improve it.

While our efforts will be focused on helping you achieve your objectives, our ultimate goal is for you to surpass them. After all, you’re investing time, money and energy into working with us, and we want to make sure you’re getting maximum value out of our relationship. 

Establishing and defining the client-advisor relationship

Our relationship with clients starts with the development of a comprehensive financial plan to achieve their long-term financial goals. As part of this plan, we cover the investment, insurance, tax and estate planning aspects of each client's situation.

Gathering client data and determining goals and expectations

We strive to serve as our client's chief financial advisor. As part of this role, we coordinate the activities of existing professional advisors such as tax accountants and estate lawyers. If required, we also tap into our own network of professional advisors.

Analyzing and evaluating the client's financial status

Our investment philosophy is essentially conservative in nature. Operating within each client's risk profile, an investment portfolio is structured which will achieve long-term growth without undue risk. As a result, both our clients and our firm sleep soundly at night.

Developing the financial strategy and MINIMIZING RISKs

Tax planning and minimization is a key component of the financial plan for most clients. As part of the overall plan, strategies such as income splitting, prudent use of leverage and family trusts are evaluated.


Each client's account is monitored on an ongoing basis to take advantage of opportunities created by changing circumstances. In addition, each plan is reviewed annually and appropriate adjustments are recommended. We make ourselves as accessible to clients as possible. All telephone calls are returned the same business day, either personally, or by one of our assistants.


We believe that our best client is one who is fully informed. As a result, we have a strong commitment to client communication through regular newsletters, seminars and guest speakers. In addition, we maintain a library of some of the very best books on personal finance, available for loan to all our clients.