Have Freedom?

Thomas, Who are you

In the past 10 years, I have been working as a financial consultant. My mission is to empower millions of Canadians with financial literacy. I believe, everyone has the ability to unlock wealth and reach financial independence.

What do you specialize in?

My focus is retirement, wealth, and insurance. The reason:

1. A lot of Canadians aren’t clear on these three topics, however, these three are essential to reaching financial independence.
2. A lot of Canadians are being promoted ETFs, Funds, and whatever investment, but these are only the tools. However, a tool without a strategy is not effective.
3. There is too much information of an information overload right now. My job is to collect, filter, and deliver.

What makes you different from a bank?

I am independent, and I don’t work for any bank or any financial institution. Instead, I have the flexibility to see which financial institution is the most suitable for your situation.

I don’t take a cooking cutter approach to your financial journey. Bank advisors often have a goal of getting as much transaction as possible into a mutual fund, as they have quotas to meet. 

You are just a name and a number on their spreadsheet. That is why you won’t see the same advisor in the 2nd year.

But to me, this is a long term commitment. That is why my service and reviews are always on point.

I prefer to focus on the client’s end goal instead. I find out what it is you truly want, then map out the GPS to get you there. 

So do you just help me invest?

Choosing a magic bullet fund isn’t my forte. What I do is focus on the big picture of where you are currently at, and more importantly, where do you want to go. I create both offensive and defensive strategies because just like any sports, you cannot win any game without either-or.

I see insurance and financial consulting, so what exactly do you do?

Just like a doctor I first get an understanding of what problems you have. Discover the exact cause of it, then provide a remedy.

For example, if you have a headache or a sore throat, the root isn’t about the symptoms, the root cause is always deeper.

Insurance and financial consulting is only a potential remedy to that root cause.

I have my own advisor already, can I get your opinion?

The truth is, based on 90% of the most wealthy, actually have a team of advisors, each focusing on a different specialty. My question to you is, does your advisor help you with the following: Tax saving, investment strategy, business planning, retirement planning, estate planning. Etc.

If not, I may be able to help you out. The advisor that is right for you may not necessarily be me, but we are building a network and we can work closely with your advisor as well. 

How do I know that if I work with you, you don’t run off with my money?

You never actually write a cheque to me. You actually write a cheque to large institutions that I am contracted with. My focus is the actual planning. So even if I am no longer in the business, the institutions continue to hold your assets. 

You are free to appoint anyone to manage your assets or move your assets out on your own. As the client you have full control of your accounts, my job is to facilitate. 

Approximately how long will it take for you to respond to me?

I make the effort to always get back to any one of my clients within 24 hours.

How often will we be in communication?

You will receive monthly statements from the institutions I work with. But more importantly, I will be reaching out to you roughly every 6 months, reviewing your finances, and if any of your goals have changed. The best approach to financial consulting is clear and constant communication. 

How much do I need to start working with you?

I can’t answer this yet. It really depends on what your goals are and what you hope to achieve. My job is to build that financial road map from where you are at, not take a large fee from you or take your cash and invest it into some random fund without any reason.

Hey Thomas what is the cost of working with you?

I get compensated in two ways.

1. If you like to DYI but are seeking a consultation to see if your strategy is on track. I charge an hourly fee for my consultation.
2. If you decide to follow my plan and choose a product through my recommendation, I’ll waive off the hourly fee. (As I will send the bill to the financial institutions)

But either way, what I need most is your time and your transparency.