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Why you should choose fee-only services

“Don’t ask the barber whether you need a haircut, because the answer will be what’s best for the man with the scissors.”

Warren Buffet

 

A fee-only financial advisor sells only one thing -- the best, unbiased financial advice.

Banks and commission-based financial advisors and planners are in the business of selling products, not servicing. Professional fee-only financial advisors are compensated for the knowledge, experience and advice they provide - not for the products they sell you.

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A fee-only advisor charges a fee based solely on an hourly or per project rate (like lawyers, accountants and consultants).

arrows-2-green-leftThe advisor does not receive any commissions, kickbacks or other compensation of any kind, so is completely objective and unbiased.

arrows-2-green-leftThe advisor has no conflicts of interest. The advisor’s compensation does not depend upon selling you a product, but only on providing you with the best solutions possible. The advice you receive will be based on all the possibilities available, not just those that fit into the products the advisor is selling.

arrows-2-green-leftInvestments you select may end up costing less because you can purchase through a discount broker or use lower fee options.

arrows-2-green-leftThe advisor will provide follow-up service because the advisor doesn’t receive any ongoing trailer fees that come in regardless of services performed.

Comprehensive Financial Planning

COMPREHENSIVE FINANCIAL PLANNING SERVICES

We offer full-service comprehensive planning to individuals. We're different because we're fee-only. We're free to explain all your options and recommend a course of action that benefits you.

People use our services when they are faced with challenges in their lives. These changes may be related to financial loss or gain resulting from events such as the sale of a business, an inheritance, a career change, retirement, termination of employment, an insurance or disability settlement, divorce or separation, death of a spouse or partner, or a change in health.

All we sell is the best possible advice.

What you get

  • An in-depth analysis of your overall financial situation
  • Cash flow and budgeting
  • Retirement planning
  • Tax planning
  • Estate planning

Find out more.

CASH MANAGEMENT

CASH MANAGEMENT

A money management system to review your cash flow, eliminate debt and save for the future.
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WILL AND ESTATE PLANNING

WILL AND ESTATE PLANNING

We are not attorneys. But then again attorneys are not financial advisors. As part of our services we will review your will and discuss the tax implications related to your estate needs and how this may affect your heirs.

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INCOME TAX MINIMIZATION

INCOME TAX MINIMIZATION

Included in your financial plans are strategies to minimize your income tax.

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PERSONAL LIFE EVENTS

PERSONAL LIFE EVENTS

Life event financial planning decisions are often hastily made, emotionally driven and often financially damaging. Reasoned and knowledgeable advice is your best protection against poor decisions based on raw emotions.
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PENSION ANALYSIS

PENSION ANALYSIS

Pensions aren’t what they used to be. Today there are many options that provide great opportunity along with an equal amount of risk. As fee-only advisors we are not paid to sell you a product you may not need or that may expose you to unnecessary risk in order to maximize our own commission. We work for you.
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JOB OFFERS, SEVERANCE AND EARLY RETIREMENT PACKAGES

JOB OFFERS, SEVERANCE AND EARLY RETIREMENT PACKAGES

Where are you in your career? We have consultative services to help you make the best, fully informed decisions for your future. By providing an unbiased look at what you have been offered, we can give you options and advice to maximize your financial future.
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RETIREMENT PLANNING

RETIREMENT PLANNING

The retirement landscape has changed dramatically over the past few decades. Today it is crucially important to be prepared and understand all the different options along with their benefits and drawbacks. As pension experts we can help you make the best decisions based on your circumstances.
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Group Planning & Business Solutions

We're group planning experts. Bring us in to educate your team or review their options upon retirement or termination.

4 out of 5 workers who rate the education about their benefits and retirement plan highly also rate their benefit package positively and say their workplace is an excellent or very good place to work.

- Source: Unum, Employee Education and Enrolment Survey, 2011

What we offer

  • Help for employees preparing for and transitioning to retirement, through personalized one-on-one sessions for employees up to 10 years before retirement
  • Assistance for retiring employees in understanding their retirement options and selecting the option in their best interest
  • Review of severance package options with employees during workplace reorganizations
  • Clear descriptions of pensions and planning options for retirement based on your plan, through custom webinars and in-pension group seminars