Welcome to Ridgeline Financial
Our commitment to our clients and their families is our first priority. We focus on long-term and holistic wealth management practices and innovative investment solutions to mitigate risk and reduce taxes. We believe that a sound financial plan is the catalyst for the maximization and protection of wealth.
Our Services
Foster Family Office
Market uncertainties should never jeopardize your prosperity. Our Family Office Group is committed to genuine diversification, shielding you from market swings that could endanger your wealth and peace of mind.
Our portfolios offer a broad perspective, incorporating international investments and diversification into private equity, private debt, and other alternative investments—the foundational elements employed by large institutional investors and endowments for enduring wealth preservation and growth.
At Foster Family Office, we understand the significance of your journey, so we offer more than just financial solutions.
We provide a trusted partnership dedicated to preserving your achievements and cultivating a legacy that stands the test of time.
This is about your prosperity and your legacy.
Financial Planning
Discover the power of holistic financial planning with the Foster Family Office. Our approach goes beyond traditional financial advice, integrating every aspect of your financial life into a cohesive strategy. We consider not only your investments but also taxes, estate, and risk management needs to create a plan tailored specifically to your unique situation. By addressing all facets of your financial health, we ensure that your wealth is managed effectively, your risks are mitigated, and your legacy is preserved for future generations. Trust us to guide you through life’s financial complexities with expertise and personalized care.
Insurance
Insurance can be a challenging purchase, best applied for well before you need it. With myriads of products available, each customizable in countless ways, finding the right fit can be overwhelming. Our team focuses on insurance as a unique solution for you, your family, or your business.
We understand the complexities of insurance and are committed to offering clear, straightforward guidance and support at every step. Our goal is to ensure that you have the right coverage, designed for your future needs, whether it’s life insurance, critical illness, or disability insurance.
Meet Our Team
Philip Marion, CIM® | Managing Director, Portfolio Manager
Philip believes in individually tailored portfolio management. Every client’s wealth management needs are unique, and Philip takes a diligent approach to ensure each client’s portfolio reflects their objectives and meets their expectations. This goes beyond picking stocks. Philip performs a comprehensive assessment of all his client needs, including retirement planning and insurance.
A comprehensive portfolio manager, Philip explores investment opportunities beyond Canada, and particularly in the U.S., to help diversify and strengthen each client’s financial security. Philip began his career at the onset of the Global Financial Crisis. He is keenly aware of the damage an imperfect portfolio can do as one reaches retirement age. He believes that some investors maintain a too-high exposure to volatile stocks as they seek higher returns than those currently offered in the fixed income markets. To mitigate these risks, he analyzes alternatives, such as REITs and MICs that can provide solid returns, offsetting the risk of volatility in the stock markets.
Philip is a McGill Commerce graduate. He lives in the Trinity Bellwoods area of Toronto. He is a big sports enthusiast, and is deeply involved in community and local charitable organizations.
Alixandra Albert | Associate Investment Advisor
Alixandra’s enthusiasm for technology and aptitude for finance is a welcome addition to the team.
Alixandra brings a unique range of experiences to her work, from fashion and web design to accounting and marketing. She is an Associate Investment Advisor and has most recently completed the Chartered Investment Manager coursework, with her sights now set on becoming an Associate Portfolio Manager.
Alixandra holds a BA in Psychology & Sociology from Trent University.
Celeste Merey, P.Eng., LLQP | Investment Advisor
Celeste joined the team to support clients in protecting their assets and optimizing financial management through insurance products. Her proficiency in insurance planning, from life and critical illness to disability and health benefits, guarantees that her clients’ finances are not only growing but also shielded against unforeseen challenges.
Her background and experience working in the Health Care sector and as a Triathlon Coach provided her with knowledge of health issues, and the ability to have candid conversations with client regarding their health concerns.
With her unique blend of industry and personal experience, Celeste is committed to empowering clients with comprehensive insurance solutions tailored to their individual needs. Whether navigating the complexities of financial protection or addressing health-related matters, Celeste ensures her clients are well-prepared for whatever the future holds.
Victor Todorovski, CFA®, CFP® | Portfolio Manager, Financial Planner
Victor is a financial services professional who brings a wealth of practical and academic knowledge to his Financial Planner role at Foster. As an experienced investment advisor, he draws from his diverse life experience to help clients tackle their most complex situations and meet their financial goals. As an advocate of financial literacy, Victor teaches financial planning courses at Centennial College in Toronto. He also volunteers with Junior Achievement Canada, promoting financial literacy among youth, and at Rise Asset Development, a Toronto not-for-profit organization providing guidance and financing to entrepreneurs overcoming mental health and addiction challenges. Victor holds an MA in Economics from the University of Toronto.