Why use fee only ( fee for service ) financial and retirement planning ?
The ONLY way to know you got the RIGHT advice is to be sure the person giving it is NOT relying on selling you something to pay for their time. How is your advisor paid? Usually by a commission for selling you a fund and then an ongoing trailer commission. Some get a percentage of what you have each year . Fee only or fee for service is paying for the help you need and receive.
Ever had that sinking feeling that the whole meeting was a sales pitch not real advice?
Suspect the advisors company are making more than you out of this?
Evasive or over complicated answers to questions about fees?
Too much small print to protect them not you?
Unsure if you haven’t heard from your advisor because all is well or because you are not buying more product or topping up your RRSP?
Can never really tell whether your investment returns are good ( or bad ) and will they get me where I need to be anyway?
If you ask probing questions the reply is vague, dismissive or patronising , don't worry i know what I am doing , or you did better than some people
If your advisor is called something impressive like Vice President RUN away fast ......... these are sales recognition titles not a guarantee they will look after you well. See this CBC The National " Go Public team " expose March 29th in the first 4 minutes
The difference with Your Net Worth Manager
Making the most of what you already have now and in the future.
Easy actionable ideas to make a difference.
50 page reports don't help in real life ! I provide handholding while you make any changes if required.
Overseeing your entire financial universe. Joined up thinking connecting your needs and hopes for the future with time tested , simple, low cost , quick, tax efficient methods.
No commissions or sales agendas, adhering to the highest standards of ethics within an industry of sales people
Working for you no ties to any financial institutions
"All you can eat" advice for annual subscription or Q& A service
Significant $ savings by only paying for services you need , avoid large management fees MER and Deferred Service Charges on financial products.
No minimum account size or age
Engagement agreement to ensure you get the help you require when you expect it
Frequent contact and ongoing support implementing monitoring and updating your plans
Access to my video , blogs, podcasts and educational material anytime for you AND your family
Taking care of your whole family for one fee, from young adult kids to you to your aging parents . What happens in the family impacts your plans so lets head off problems early.
I have been called many things over the years including financial concierge, money ninja, personal trainer for my money , financial quarter back, financial detective, money coach, my money Google, my money makeover lady.
Call me on 306 535 2255 or email firstname.lastname@example.org to find out how I can help you