In financial services, advisors are paid in two ways: Commission and Fee-for-Service. We receive commission income when we provide our clients with investment and/or insurance solutions. Like other businesses, this covers our overhead, dealer and compliance costs as well as provides our income. Our earnings are based on providing professional advice to support your financial success. When you succeed, so do we.
Note: Our policy is that we find more money for our clients than we cost them, or else we don’t take them on as a Cash Flow planning client or a Financial Planning client. It’s that simple.
Relationships We develop long-term, strong relationships with our clients. We are always in our clients’ corner looking out for them. Our main priority is always keeping our clients’ wealth healthy.
Solutions We have a unique customized process called The Wellth Process™ that we take our clients through. Clients trust that they will be looked after and are confident in our process.
Christian loves what he does; providing people with wealth security. Since Christian enjoys what he does and believes it is his calling, it shows through to clients.
A few events have happened in Christian’s life that made him realize that financial service is his calling.
The first event was when his grandmother fell ill and didn’t have a financial plan to cover her retirement and healthcare needs. Christian’s mother and her three siblings needed to support her during her remaining years.
The second challenging event that Christian was faced with was the news of his eldest daughter, at the age of 14, being diagnosed with Rheumatoid Arthritis. The news sent Christian on a path where he traveled to various healthcare professionals to find help. With time, patience, and the help of a Naturopathic Doctor and a special diet program, his daughter, now 23 years old, is able to successfully manage the side-effects of her medication and enjoys a full and exciting life.
Christian is a Certified Financial Planner (CFP) and a Certified Cash Flow Specialist (CCS) and is licensed to provide a comprehensive list of products and wealth solutions. He is licensed to give advice on investments such as GICs, Canada Savings Bonds, corporate bonds, stocks and mutual funds and for insurance products such as annuities, critical illness and disability insurance, as well as Life Insurance (Term, Universal and Whole Life) and Segregated Funds also known as Variable Annuity Contracts.
This is the best way to describe cash flow planning (Source: MoneyFinder):
A written document that includes behavioural spending recommendations as well as guidance on the most efficient debt structure for a given client. It should also include but is not limited to:
Ask yourself these 3 questions:
If you answered yes to any of these questions, cash flow planning is your next step.