Frequently Asked Questions
1. Do I have to be wealthy to work with a financial advisor?
Absolutely not! In fact, this is one of the biggest misconceptions that financial planning is only for the wealthy. The truth is that financial planning is a path for anyone to actually gain wealth.
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I have worked with clients who are thought to be wealthy and I have also worked with clients that carry a lot of debts, living paycheck to paycheck.
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The objective of financial planning is to get you to your desired life goals. It doesn't matter when you start or how much money you have. All that matters is that you get to those final goals.
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We all have to start somewhere, right?
2. What does it all cost? How do you get paid?
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We offer complimentary consultations and financial strategies.
Similar to a mortgage or real estate agent, we get paid upfront commission and fees based on financial products sold, such as insurance or investment. In most cases and in most products, we get paid from the companies, not from the clients.
In addition, I also get paid a trailing commission of the amount invested, which is split between me and the investment firm.
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As per the regulatory authorities' guidelines, we are required to disclose all charges and fees.
3. I already have a financial advisor.
I am glad to hear that! It demonstrates that you understand the value of financial advice. Studies have shown that people who work with an advisor have almost 4 times the net worth of someone who doesn't work with an advisor over a 15-year period.
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However, the truth is, most financial advisors don't take the time to educate clients on the basic principles of money or teach about all the different types of investment options. As the old saying goes, "you don't know what you don't know."
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We will teach you the principles of wealth and money, plus it comes with a buddy that will be guiding you throughout your financial journey!
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It doesn't hurt to have a second opinion, right?
4. Do you have investment minimums?
We can get you started investing as little as $50/month.
Did you know that over a 40 year period with a $50/month investment and a 9% return, you could accumulate over $235,000?
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Create a small, monthly investment. It's easy and you don't have to think about it. Before you know it, that small investment will grow into something that will change you and your family's futures!
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The earlier you start, you less you have to put away each month to reach your financial goals. Playing-Catch-Up-Sucks.
5. I manage my own money, why do I need a financial advisor?
You can totally manage your own money. However, if you want to step it up to the next level, sometimes you need help from professionals.
A personal trainer can push you to achieve the physique you want. A good sports coach can bring your skills to the next level. A digital marketing specialist can drive massive brand awareness for your business.
A great financial advisor can help you to get in much better shape financially. Quick fact, Studies have shown that people who work with an advisor have almost 4 times the net worth of someone who doesn't work with an advisor over a 15-year period.
Here are a few reasons why you should consider having an advisor:
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- Because we keep your investment plan on track.
- Because we do more than invest your money
- Because even the pros need help
- Because we save you time and stress
- Because we can keep your emotions in check
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Humans are emotional creatures, especially when it comes to managing money.
6. What is the difference between working with you than the bank?
One of the greatest advantages of working with us is we connect you with the most experienced professional money managers in the industry and help you invest with the bigger third-party investment firms such as Fidelity, Mackenzie, Invesco, AGF, Franklin Templeton, etc.
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We believe that everyone deserves access to the same quality of product whether you have lots of money to invest or a small monthly investment.
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The other perk of working with us is convenience and accessibility. We have adopted a 100% online structure and we have the ability to connect with our clients anytime at anywhere.
We are always available to our clients and that means If you want to ask a question or schedule a meeting, just give us a call or text!
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You shouldn’t have to be a millionaire to be treated like one!
7. Will working with you take a lot of my time?
Not necessary. On average, our initial connection takes around 30 minutes to determine if you are somebody who is a good fit. It may or may not take longer, depending on the questions you have and the complexity of your situation.
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Every ninety days, I will have a follow-up call/consultation with you to review your goals and make sure everything is on track.
You are also encouraged to contact me at any time should you have any questions (big purchases, career change, etc).
I will be your new buddy :)