I am a fee based financial planner and pride myself on unparalleled service and performance. I am committed to providing unbiased advice and prudent strategies for managing your financial well being. My services are always tailored to your unique needs. I provide estate planning, risk management (life, health,critical illness, disability, long-term care insurance), cash flow analysis, investment management, retirement planning and income management , and tax planning and preparation. I am also a licensed mortgage agent and provide mortgage planning and advice. Using a fee-only approach allows me to serve you without compromise. I can provide financial solutions that are not commission based (see Pricing Options for more information). I do not work for a bank or large investment firm so I do not benefit from recommending company specific products or a particular course of action. I have a fiduciary duty to put your best interests first, my reward is your success and referrals!
Hourly Consulting Fees and Flat Fees for Segmented Plans:
My consulting services may be most appropriate for clients who value the financial planning process and want a professional to provide the blueprint. An hourly fee is charged for financial,investment, estate or retirement planning. This fee is $75 per hour and will be discussed more detail during your initial consultation along with an estimate of time for completion. For someone with limited planning needs I can consult on a project specific basis as well (example: investment, risk management, estate or tax plan only). These plans start from $250 per plan depending on the complexity.
Fees Based on Assets Under Management:
I can select and oversee the investment management of your portfolio on an ongoing basis. Separately Managed Accounts that are managed continuously by independent professional money managers are also available. No load and F Class mutual funds are assessed an annual fee based on the assets held under management.
Commission Based Fees:
I may be compensated by a commission or sales charge when utilizing certain investments and insurance products. These products include, but are not limited to: mutual funds, annuities, long term care, life and disability, critical illness, long-term care insurance etc. This may be more suitable for clients that wish to start saving for their futures but have only small sums to invest. The cost of a full financial plan might prove too costly initially, with commission based plans I am not paid directly by the client for planning services but instead compensated by the firms with which financial products are placed and not the client. I have a policy of complete transparency in disclosing all commissions generated in this manner with my clients prior to proceeding.
I invite you to discuss these options with me in greater detail to determine what is most appropriate for you.
Fee Based Investment Plans:
ETF/Index Fund Only Plans
Mutual Fund Based Plans
Mixture (Core & Explore)
Retirement Income Plans:
Those approaching retirement need to be sure that they will have sustainable income, enough to last through their entire retirement. Moshe Milevsky and Alexandra Macqueen have written about the concept of how to"" using Product Allocation , a new approach to retirement income planning. With ProductAllocation we:
1.Measure your current plan’s chance of success, assigning it a (RSQ) from zero per cent, or no chance of success, to100 per cent, that can provide sustainable income for life
2.Improve your RSQ by allocating your savings amongst a basket of products with unique guarantees and features that help protect you from risk and meet the preferences important to you
Improving your RSQ with Product Allocation can maximize your retirement income and help ensure it will last. More about Product Allocation .