We do not use a one size fits all approach. Everyone has different goals. Your situation is unique and we treat it that way.
People come to see us for a variety of reasons. Some want to do something as simple as set up a savings account. Others want advice in a particular area. For example, saving for education. In situations as straight forward as this, we'll confirm the need, assess your current status, determine your attitude towards risk and make an appropriate recommendation based on your time horizon. Easy, simple and painless. We will not waste your time nor ours in areas where you have no need or interest.
On the other hand, others are looking for help with their overall investment needs, insurance needs, or both, and want to be guided through that process. This is a more in depth process. We begin that process together with a private, confidential review of your situation. We'll look at your current investment and insurance holdings in detail and focus on what you want to accomplish. Based on this review, we'll develop a customized strategy designed to achieve your goals. Part of this process will be to fully explain all of the recommendations, and how they fit into your overall plan.
Though you'll determine the frequency of face to face meetings, we suggest that we try to meet annually to review your situation and stay on track.
People come to see us for a variety of reasons. Some want to do something as simple as set up a savings account. Others want advice in a particular area. For example, saving for education. In situations as straight forward as this, we'll confirm the need, assess your current status, determine your attitude towards risk and make an appropriate recommendation based on your time horizon. Easy, simple and painless. We will not waste your time nor ours in areas where you have no need or interest.
On the other hand, others are looking for help with their overall investment needs, insurance needs, or both, and want to be guided through that process. This is a more in depth process. We begin that process together with a private, confidential review of your situation. We'll look at your current investment and insurance holdings in detail and focus on what you want to accomplish. Based on this review, we'll develop a customized strategy designed to achieve your goals. Part of this process will be to fully explain all of the recommendations, and how they fit into your overall plan.
Though you'll determine the frequency of face to face meetings, we suggest that we try to meet annually to review your situation and stay on track.
How do we get paid ...
There is no planning service cost. We earn our money in the following ways:
There is no planning service cost. We earn our money in the following ways:
- We receive commissions from mutual fund companies on purchases of mutual funds.
- We also receive trailing commissions from the mutual fund companies. These are typically paid out monthly, though some companies pay quarterly.
- Commissions are always paid by the mutual fund companies to our dealer first and then on to us. Our dealer is Funds Direct Canada.
- Mutual fund expenses charged to you by the mutual fund companies can vary amongst funds and are fully disclosed before a purchase is made.
