Who We Are
We Assist Our Financial Clients in Recognizing the Significance and Value of Strategic Planning
We provide comprehensive financial planning, specializing in investment management and retirement planning. Our clients range from individuals seeking personalized wealth management to families aiming to optimize their financial strategies and outcomes.
Meet Your Advisor
James (Jay) B. Scholes, B.A.
Certified Financial Planner
I am a seasoned professional with more than 25 years of dedication to wealth management. My career in business began in 1980 when I started a student lawn care business while still in high school.
From earning a double major in management and economics to receiving a Bachelor of Arts degree from the University of Guelph in 1989, my career has been a testament to my commitment to financial excellence. As a Certified Financial Planner (CFP) and Senior Financial Planner, I bring a wealth of expertise in retirement planning, investment strategy, and insurance.
Experience the benefits of tailored financial solutions designed to eliminate uncertainty, optimize investments, and secure your financial future. With 4Sight Financial, you’re not just gaining a financial planner; you’re gaining a partner dedicated to your long-term success.
Meet Our Team
Spencer Scholes
Spencer is an emerging financial planner who has earned his mutual fund and insurance licenses, backed by over two years of experience at RBC. This provides Spencer with the knowledge of common banking practises and the ability to accommodate any financial needs of clients whether that be insurance or investment. As a committed professional, Spencer is focused on helping clients navigate their financial goals through well-informed investment strategies and tailored insurance solutions.
Having started saving early in his own life, Spencer understands firsthand how the power of compounding can have long-lasting positive effects on a client’s financials. He advocates for a proactive and disciplined approach to wealth building, highlighting how small, consistent investments can yield substantial long-term financial growth.
As a Licensed Assistant, Spencer is dedicated to delivering client-focused advice and facilitating prompt financial services alongside the 4Sight Financial Team. He prides himself on providing personalized guidance with a friendly and approachable demeanour, ensuring clients feel supported every step of the way.
Olivia Scholes
Olivia brings 8 years of experience in marketing in the technology sector, combined with a solid foundation in finance and wealth management. Graduating from the University of Victoria’s Peter Gustavson School of Business with a Bachelor of Commerce, Olivia has a well-rounded understanding of business strategy and client service. In addition, Olivia holds the Canadian Securities Course (CSC) designation, earned through the Canadian Securities Institute, which enhances her ability to support clients with industry-leading insights and compliance expertise.
As a licensed assistant, her goal is to support the 4Sight Financial team in delivering personalized, high-quality financial advice, ensuring clients can confidently work toward their financial goals.
Have a clear goal, know your risk tolerance, and be sure it matches your investments.
I've learned that we, as people, become overly risk tolerant in rising markets, and risk-averse in falling markets.
It is human nature to be attracted to what we want and run from the things that frighten us. Unfortunately, however, it means that we often become more inclined to buy investments as they become more expensive and more willing to sell when they get cheaper.
Aside from being a shining example of a successful investor, Warren Buffet is well-known for being a good teacher. Every year, he produces a letter to his shareholders, each containing nuggets of wisdom peppered with a touch of humility and humor. When markets are volatile, we’ll all do well to take solace and repeat the following quote:
“Capital markets are simply relocation centers; they relocate the world’s wealth from the impatient to the patient.”
In down markets and in boom times, I serve as the steady hand at the helm, calmly and carefully navigating the path forward to long-term success.
More From Our Clients
Read what our satisfied clients have to say