Home ~ What Can I Do For You?

Many of my clients started out asking themselves one or more of these questions when I first called them, and rightfully so. When choosing your financial advisor you want what is best for you and your family. This is why I buy my clients a coffee or booster juice and chat for 20 minutes. It gives you a chance to see what I do and see if it fits you.

These questions below can help you asses if there are things in your life that I may be able to help you with. As you review them, ask yourself this one question. Do I want to do this on my own or would I like the help of someone who is creative, caring and has their ear to the ground on issues that affect me?

Most times, there is much more I can do for you. For example, showing you how to protect your assets and still allow them to grow at a healthy rate (I'm talking a secure, double digit growth). The following questions really only begin to scratch the surface...

Your Financial Professional

• Does your financial professional let you control the planning process?
• Does your advisor take the time to educate you and help you to understand the principles behind your plan?
  
• Do you feel like you own and understand your plan?
  
• Is your planner limited in the products they can offer you? Do they only offer you their products?
• Does your planner explain and execute tax preferential strategies to legally reduce what you give to the government?

Tax Strategy

• Do your investments generate the most tax-efficient income?
• Are your investments creating tax deductions?
• Do you pay more than 15% tax to the government?

Your Home and Mortgage

• Do you have "sleeping equity" in your home that could be helping you pay your mortgage down faster?
• Are you using your home and mortgage to generate valuable tax deductions?
• Does your positive bank balance reduce the interest you pay on your mortgage? Or does the bank pay you 6% interest on your account balance?
  
• Do you have mortgage insurance through your bank? Does your premium say constant while your mortgage balance reduces? Will the bank perform underwriting that could disqualify you only when you attempt to make a claim?
  
• When you purchased your existing insurance, were you given an assessment that showed where the proceeds of the benefits were to be used? If not, do you have too little coverage or too much?

Your Portfolio and Diversification

• Is your portfolio limited to funds (also known as the stock market)? Has your portfolio been diversified into land and debt based investments?
• Would you like part of your portfolio to earn double digit returns and be based in local or international hard assets such as land?

Retirement

• Do you have long term goals and plans for your retirement?
• Do you know how much money you need to retire? Or how much money you need to save each month to reach your retirement goals?
• Do you know how leveraging could help you to retire sooner or with greater income? Do you know the best financial vehicles to obtain the most favourable results?

Income Protection

• Are you concerned how you would afford immediate high quality medical treatment if you were diagnosed with a critical illness (Heart Attack, Cancer, etc.) or retrofit your vehicle and home if you were suddenly confined to a wheelchair?
• Are you concerned about how you would earn income if you were unable to work due to an injury or illness?
• Does your disability income protection stop if they feel you can work any job regardless of your skills?

Business

• Would you like to learn how to: 1) give your employees a raise; 2) reduce your company labour costs and; 3) improve employee loyalty and do this all at the government's cost?
• Are you looking for down to earth advice on your day to day problems from other business owners like yourself? Would you like to be a part of a group of business owners that function like a Board of Advisors to each other?
• Do you operate as a independent contractor? Are you taking wages or dividends? Has your accountant told you which method can reduce your tax nearly in half?