advice, where to start...
"There aren't enough
hours in the day."
How often do we say this to ourselves? The
time pressures we are under are enormous, and we simply don't have the
time to "do it all." Yet when it comes to money matters, even
if you have the time, do you really have the expertise to sift through
information on mutual funds, GIC options, retirement plans, RRIFs, LIFs
and all the other investment "ifs?" Would you have confidence
in your decision?
of us don't have the time or expertise
and expertise are precisely what an Fiscal Agents representative can offer
you: the time to sort through, select and constantly monitor your investments
and the expertise to recommend investments that can help you shape your
Everyone relies on doctors, mechanics, dentists, lawyers, etc. because they
need expertise and yet, with their personal financial affairs, a lot of
people take a "do-it-yourself" approach. Unfortunately, at the
end of the day it can be a costly choice.
a relationship based on trust
with the right person could make the difference between making or forgoing
thousands of dollars over your lifetime. So, it makes sense that you build
a relationship on trust. Only you know what your aspirations, dreams and
fears are. Cornerstone Planning was designed to help you have to be willing
to talk about them honestly - where trained
Treat it as a long-term relationship because with money, you need to think
long term no matter how much the situation changes from year to year. Even
the most steadfast investor may lose heart if his or her investments drop
in value in the short term. However, your adviser has likely seen it all
before, and will help you stick to your plan when your first impulse might
be to panic and sell. That is another benefit of the full service that a
financial advisor provides you.
should you look for:
investors consistently rank trustworthiness and good track record above
all other criteria in assessing their financial professionals.
Source: Decima Research, 1995
- Trimark Mutual Funds
the right fit
the right fit with a investment specialist
is no different from finding any other service provider. Begin by talking
with friends and colleagues since people usually offer the names of service
providers who give good service.
When an advisor has won your trust, you owe him or her yours. To provide
you with the best service, your advisor needs your confidence and loyalty,
so when you've found the "right fit," stay with it.
Read your daily newspaper and financial publications, paying special attention
to who is being quoted and what firms are providing information to the
press. Ask about their qualifications, how they'll make a difference for
you and how long they have been in the business.
you should ask yourself
make the most of what your financial advisor offers, there are some things
you should ask yourself:
- Have I thought about the stage
of life I've reached and what that means for my financial needs?
- Do I know what my upcoming
financial needs and goals are, and when I'll need the money for them?
- Do I know what investments
I have now, and their value?
- Have I determined how
much I can invest on a monthly and yearly basis?
- Do I get nervous thinking
about my financial future?
have added hotlinks to parts of our Website to help you with some of the
above mentioned questions.
"Act today" really means something when it comes to your money.
Don't delay finding the person who can help you define your needs, develop
your plan, and put you on a path to realize your dreams. Investing early,
investing often and investing wisely can make a big difference to your
long-term financial security.
1977, our firm has grown considerably, providing financial products and
services through the unique expertise of a Deposit Broker (and enhanced
by the understanding of a Life insurance agency) to individuals, corporations, trust and estates, charities, religious
groups. The firm is a wholly-owned Canadian corporation. Our company motto is Enterprise with Prudence
and Integrity, words that embody our everyday life. We have
coupled our motto with a clear vision of the needs of our clients, delivering
a consistent and dependable financial service that you can rely on.
As an independent minded company, our Associate Representatives' sole
objective and activity is to provide unbiased investment services from
a wide selection of financial institutions in a highly personalized manner. Whether you are a large or small investor, we offer independent advice
about how to build a long-term investment strategy that is tailored to
your personal financial adjectives.
Because we understand that no two clients are exactly alike, our relationship
approach allows our representatives to focus on each person's unique financial
needs, thus creating flexible and customized investment solutions.
Management Made Easy ®
The first step is to establish a client's
financial profile, their investment goals, and how they feel about certain
investments and the level of risk they carry.
Once these have been established, a basic portfolio structure is recommended.
In general portfolios fall into the following categories: Conservative,
Moderate, or Aggressive.
Investing is a complex and time demanding process. Fiscal Agents not only
will be able to provide you with the unique characteristics of each chosen
investment, we will help you understand how and why your investments are
reacting to worldwide influences on your investments, both inside and
outside of an RRSP/RRIF plan.
your investment objectives
How long will you be investing? Do you need a hedge against inflation?
Liquidity... Will you need to access your investments? Safety of Capital...
Is it imperative that you maintain your original investment at all times?
Taxes... Is minimizing tax on investment income important? Risk... How
much are you prepared to lose? Return... How much are you hoping to gain?
Effort... How much personal time are you willing to spend monitoring?
Make sure your investment plan is the right one for you. Over the years,
changes in your life will continue to shape it. Invest the time in an
annual review of your plan to ensure it remains in line with your goals.
Remember, your financial plan should last a lifetime.
Our company was formed in 1977, some 30 years ago to help you setup a financial
plan, choose the best investments for your needs. Our purpose is to help
make Money Management Made Easy ® for you. Please feel free to call
or e-mail your inquiry to us for a confidential review.
choices you make are very important. They will have a great impact on how
you can live your life so proceed with caution. It is only common sense
and good money management.
Never make an investment that you don't understand. Buy only from organizations
who have an established and public track record. Purchase investments that
fit with your personal and investment objectives and that have a justified
place in your portfolio. Don't make any investments you are not comfortable