Investment and Consulting Services Fee Structure

I am dedicated to providing excellence through a fee based financial planning process that is as unique as each of my clients. By offering investments and consulting options, you can choose what works best for you in the financial planning process. 

Hourly Consulting Fees and Flat Fees for Segmented Plans:

My consulting services may be most appropriate for clients who value the financial planning process and want a professional   to provide the blueprint. An hourly fee is charged for financial, investment, estate or retirement planning.   This fee is $75 per hour and will be discussed more detail during your initial consultation along with an estimate of time for completion. For someone with limited planning needs I can consult on a project specific basis as well (example: investment, risk management, estate or tax plan only). These plans start from $250 per plan depending on the complexity. 

Investment Services (Negotiated):

Upon request I can help select and oversee the investment management of your portfolio on an ongoing basis.  All fees are disclosed in a completely transparent manner. In some cases Mutual Funds* and Mutual Fund ETF products are available that offer flexible advisor compensation which can be negotiated to lower fund costs.  

Commission Based Fees:

 I may be compensated by a commission or sales charge when utilizing certain investments and insurance products. These products include, but are not limited to: mutual funds, annuities, long term care, life and disability, critical illness, long-term care insurance etc. This may be more suitable for clients that wish to start saving for their futures but have only small sums to invest. The cost of a full financial plan might prove too costly initially, with commission based plans I am not paid directly by the client for planning services but instead compensated by the firms with which financial products are placed and not the client. I have a policy of complete transparency in disclosing all commissions generated in this manner with my clients prior to proceeding.

I invite you to discuss these options with me in greater detail to determine what is most appropriate for you. 

Fee Based Investment Plans:

a) ETF (as offered by MFDA member firms)/Index Fund Only Plans
b) Mutual Fund Based Plans
c) Mixture (Core & Explore)

d) Insurance based income products (Annuities, Guaranteed Minimum Withdrawal Benefit products) may be recommended as a part of a sustainable Retirement Income Plan 

 All investments and investment advice will be limited to financial instruments that I am licensed to sell such as mutual funds (including index/ETFs sold through mutual fund dealers), GICs and Savings Accounts (does not include individual stocks or bonds, ETFs traded solely on stock markets, private placements).

Commissions, trailing commissions management fees and expenses may all be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Insurance products available through Financial Horizons Group Inc.

Mutual Funds available through Altimum Mutuals Inc.