OUR SERVICES
How you manage your money today has a serious impact on your future quality of life. Yet, many of us put little effort into monitoring our money. We put more time into planning our annual vacation than deciding how to invest in our RRSP’s. We expect to provide adequately for our families and retire in comfort-yet we have no practical plan.
Some of us may have ventured into the complex world of investments, only to discover over 30,000 different stocks and 4,000 mutual funds are available in Canada, or that markets are affected by a variety of factors such as interest rates, inflation, politics, etc. Taking the time and effort required to understand the many investment options and stay current on developments is impossible for those of us with jobs, families, and other obligations on our time.
Seeking the expertise of an independent financial advisor is a logical approach. An advisor has the knowledge and experience to guide you through the maze of options and suggest the right investments for your needs. You can expect professional advice, the best investment plan for you and on-going guidance. Most importantly an independent financial advisor will help make your financial hopes a reality.
PROFESSIONAL ADVICE
The most crucial considerations when constructing a portfolio of investments are your unique needs. What is your annual income? How much risk are you comfortable with? Are you saving for your children’s education or planning for retirement? There are many factors to consider. A financial advisor will sit down with you to determine your comfort level of investment risk versus reward. Together, you will establish your financial goals and then your advisor will suggest an investment strategy tailored to your situation.
YOUR OPTIMAL FINANCIAL PLAN
We solicit doctors, lawyers, dentists and other professionals for their expert advice. Yet, for our financial future, we often rely on our own knowledge or friends’ suggestions. Using a professional financial advisor could mean a difference of thousands of dollars towards your retirement. In fact, in a survey by Dalbar financial Services between 1984 and 1995, investors with a financial advisor earned almost 17% more in accumulative returns than investors with no-load, directly –purchased funds.
An independent financial advisor has the qualifications to help you build a solid financial plan. Because it’s their full-time job to manage investments, an advisor has an in-depth knowledge of economics, worldwide market conditions, and the wide choice of investment products.
Financial Advisors are tested by the Investment Funds Institute of Canada or the Canadian Securities Institute, on investment knowledge and ethical practices. They are licensed by their provincial securities commission and their professional conduct is monitored by both national and provincial organizations.
ON-GOING GUIDANCE
Financial planning is a continuous process. As an Independent Financial Advisor, I would actively manage your investments and would contact you about economic or legislative changes that may affect your portfolio. You may then alter your investment strategy to capture opportunities and potentially maximize your returns. I also use my Trust background to look at ways to help you avoid probate and save taxes. Some ideas I have are the benefits of a Living Trust.
Likewise, if your personal financial goals change, perhaps with the birth of a child, an inheritance, or a raise, you and I can revise your financial plan.
I would be pleased to sit down with you and answer any questions you may have.
As an Independent Financial Advisor, I am able to provide my clients with a wider range of financial products and services. It gives me great satisfaction knowing that I help people achieve their financial goals, and deliver the level of on-going service they deserve.
Mutual funds are provided by Equity Associates. All other products and services are not a responsibility of the dealer.