"INVESTING IS THE INTERSECTION OF ECONOMICS & PSYCHOLOGY"
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SETH KLARMAN
Our process
Our process
We understand that financial planning is a journey
MEETINGS ARE ALWAYS FREE
MEETINGS ARE ALWAYS FREE
We take things at your pace. We introduce basic financial concepts, discuss your financial goals, current situation, and any challenges you may be facing. From there, we develop a customized plan that aligns with your objectives. Our engagement process includes:
Initial Consultation – A free, no-obligation meeting to provide you with some basic financial literacy and assess your goals and needs.
Strategy Development – Another free meeting where we crafting a tailored financial roadmap.
Plan Implementation – Putting your financial plan into action. We don't charge for this meeting - we are paid by the financial companies we represent.
Ongoing Monitoring & Adjustments – Regular at no cost check-ins to ensure your plan evolves with your life changes and market conditions.
frequently asked questions
frequently asked questions
1. What are your qualifications and experience?
Why ask? Ensures they have the proper credentials and experience to provide financial advice.
✅ Ideal Answer: “I am a Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), or another relevant designation with X years of experience helping clients with financial planning, investments, and tax strategies.”
2. How do you get paid?
Why ask? Understand whether they work on commission, fees, or a combination.
✅ Ideal Answer: “I operate on a commission based only and I will always disclose any conflicts of interest.”
3. What is your investment philosophy?
Why ask? Helps determine if their approach aligns with your risk tolerance and goals.
✅ Ideal Answer: “I focus on diversified, long-term investing with an emphasis on risk management and aligning investments with your goals.”
4. How will you customize a financial plan for me?
Why ask? Ensures they provide tailored advice rather than generic solutions.
✅ Ideal Answer: “I start by understanding your financial goals, risk tolerance, and current financial situation, then create a personalized plan to help you achieve those objectives.”
5. What types of clients do you typically work with?
Why ask? Helps assess whether they have experience working with clients in similar financial situations.
✅ Ideal Answer: “I work primarily with families, young professionals, retirees, business owners, and tailor our strategies to their unique needs.”
6. How do you incorporate tax planning into my financial strategy?
Why ask? Taxes play a major role in wealth management.
✅ Ideal Answer: “I help optimize tax-efficient investment strategies, take advantage of registered accounts like RRSPs and TFSAs, and ensure you’re making tax-smart decisions.”
7. Can you help with estate planning and insurance?
Why ask? Ensures a comprehensive financial approach.
✅ Ideal Answer: “Yes, I can guide you on estate planning strategies, wills, and insurance needs to protect your assets and family.”
8. How often will we meet, and what ongoing support do you provide?
Why ask? Sets expectations for long-term engagement.
✅ Ideal Answer: “We will meet annually (or semi-annually) to review your plan, but I am available anytime for questions or adjustments.”
9. What are the risks associated with my investments?
Why ask? Ensures transparency about potential downsides.
✅ Ideal Answer: “All investments carry risk, but we manage it through diversification, asset allocation, and long-term planning.”
10. How can I track my financial progress?
Why ask? Helps you stay engaged with your financial plan.
✅ Ideal Answer: “I provide online tools, quarterly reports, and regular meetings to review progress and adjust as needed.”
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