A Financial Advisor in Your Pocket
Investing made personalized and simple! Utilize these easy-to-use apps to save time, learn how to diversify your portfolio, pay less income tax, reduce investment fees, and create your own perfect retirement plan. Albert Einstein once said, “Everything should be made as simple as possible, but not simpler.” In this vein, I have created apps to solve financial problems that almost every human will encounter. Your biggest enemy is high fees. By making a one-time purchase of these inexpensive apps, you’ll have the recommendations of a financial planner for the rest of your life. When you manage your investments with an online brokerage, your savings will be dramatic.
InvestCAN: Customize a personal retirement portfolio. Use of this app helps to answer these questions:
- Which exchange traded funds (ETFs) should I buy?
- How do I build a risk-adjusted retirement portfolio?
- Do I buy equities or fixed income?
- What ETFs should I sell in retirement to rebalance?
InvestRESP: Customize an education portfolio. Use of this app helps to answer these questions:
- Which exchange traded funds (ETFs) should I buy considering a shorter time horizon?
- How do I build a risk-adjusted education portfolio?
- What ETFs should I sell to pay for tuition?
RetireCAN: Plan personal retirement income. Use of this app helps to answer these questions:
- How much should I save now for retirement?
- How much will I have available to spend each month in retirement adjusted for inflation?
- How much should I withdraw from each type of investment account?
- Save Time: Research of the best long and short-term ETFs for each asset class is recommended. The most efficient withdrawal stream is recommended and tailored to your unique situation. All the research has been completed for you.
- Save Money: Stop paying expensive financial advisor and mutual funds fees. Pay less income tax spreading out your retirement income in the most efficient way.
- Complete Control: Customizable recommendation that can be implemented using any online brokerage
Fee Based Digital Advisor
I’m also happy to meet with you virtually to answer any specific questions, tailor advice to your unique situation, or provide detailed information to assist you on your learning and investment journey. I aim to offer you the most transparent, honest investment advice in order to maximize your net worth now, and for future generations.
Since I do not sell investments (like brokerages and banks), my advice is objective. You won’t find me using complicated jargon to explain your options. My approach will leave you feeling knowledgeable and in control. Whether you are a beginning investor with limited experience who is cautious and has a preference for learning about basic investment concepts, or you are a seasoned investor who already possesses a deeper understanding of the market, has a diversified portfolio and may take a more strategic approach to risk management, I can help you continually educate yourself to stay informed about market trends.
Many advisors won’t accept clients with minimal assets. Using an hourly fee-based schedule I can provide unbiased professional advice to everyone. It helps investors of all net worths. People with minimal assets have access to affordable advice and high net worth clients will save thousands of dollars in fees and they are not paying a percentage of their wealth.
RetireCAN: An Unbiased Financial Planner
Managing your investments provides a valuable learning experience, allowing you to deepen your understanding of financial markets, investment strategies, and risk management techniques. Turn your retirement savings into a pension based on your unique situation. Predict your future after-tax retirement income while you’re still saving. Create the perfect dynamic withdrawal stream based on investment returns, inflation and your life expectancy. This enables you to minimize your life’s income taxes and maximize your net worth.
InvestCAN: An ETF Portfolio Builder for Retirement
With the use of my apps, you can make informed decisions about your finances considering your goals, risk tolerance, and overall financial well-being. I have posted videos on my website that will help you along the way. Downloading my apps is your first step to potentially saving thousands of dollars on investment fees and learning overall financial management concepts. Making your choices within the apps helps you understand how to make safe, diversified decisions.
Nic Tustin, BA Econ
I used my experience from Sunlife, BMO, TD, Edward Jones and Canada Life to create apps to help investors pay fewer fees and income tax. I bring my experience from working at a variety of financial institutions to provide you with unbiased recommendations. I primarily focus on tactical asset allocation by actively balancing portfolios to reduce market risk. I create diversified portfolios based on algorithms. Less guesswork and more structure when it comes to investing will help you reach your targeted retirement goals.
Investing Cost Comparison
Use the apps for a fraction of the cost of an advisor. In the intricate landscape of our world, the concept that “simplicity is the ultimate sophistication” emerges as a timeless and universal principle. It emphasizes the intelligence in simplicity, even when it appears fundamental. Maximize your net worth with easy-to-use apps to diversify your portfolio, pay less income tax, minimize investment fees, and create your retirement with artificial intelligence.
 |  |  |  |  |  |  |  |  |
|---|---|---|---|---|---|---|---|---|
| Advice | InvestCAN | InvestRESP | InvestUSA | RetireCAN | RetireMGN | Virtual Meeting | Robo- Advisor | Financial Advisor |
| Purpose | Canadian Investment Portfolio | Guided Education Portfolio | American Investment Portfolio | After-Tax Retirement Income | Guided Retirement Withdrawals | Personal Investment Relationship | Hands-Off Automated Investing | Expensive Personal Relationship |
| Fees *Not including MERs and trading fees | $19.99 CAD | $12.99 CAD | $14.99 USD | $19.99 CAD | $9.99 USD | $250/Meeting | 0.40%- 0.50% | 0.50%- 1.50% |
| Access to Advice | 24/7 | 24/7 | 24/7 | 24/7 | 24/7 | 1-2 Virtual Meetings | N/A | Approx. 2 Hours/Year |
| $100,000 Account Costs *Not including MERs and trading fees | One Time Fee | One Time Fee | One Time Fee | One Time Fee | One Time Fee | $250- $500/Year | $400- $500/Year | $500- $1,500/Year |
| Recommended Investments | Unbiased Data Driven | Unbiased Data Driven | Unbiased Data Driven | Unbiased Data Driven | Unbiased Data Driven | Unbiased Data Driven | Often Proprietary (Company Owned) | Often Proprietary (Company Owned) |
| Relationship | Digital | Digital | Digital | Digital | Digital | Personal | Phone/Email | Personal |
Sunny2024-02-29Nic's vast knowledge in financial investments is exceptional. Highly recommended.
Peter Vigna2024-01-27Nic is the best source for financial education on social media best etf recommendations.
519 Painting2023-05-01Nick was a tremendous help with our financial planning for our new company!
Shiella A2022-06-30Nic is professional, intuitive, personable and passionate about his role. We are so gald to have Nic as our financial advisor; our portfolios are well managed and we have been happy with the outcomes over the years. Nic always goes out of his way to help us. We had a bad experience with our Canada life mortgage broker, his lack of support and responsiveness almost cost our family a great opportunity so we had to move on. We honestly wish Nic was able to handle our mortgage needs as well. This will ensure that all our service needs will be well managed. Thank you Nic for everything you do!
Jake Thuss2022-06-25Nic is the best financial advisor I have come across in London, Ontario. He knowledgeably helped us with our investments, life insurance and a mortgage. He is a great financial planner to deal with!
John Vella2021-06-10This was my first experience with a financial planner. Nic took the time to explain everything to me. He is very patient and thorough. We talked about my goals and plans for retirement. We also talked about my comfort level when it comes to the the ups and downs of investing. I felt very comfortable with Nic. He is down to earth and very knowledgeable. I would highly recommend Nic to anyone needing a financial planner. I feel much more comfortable with my investment plan because of Nic and look forward to working with him for all my investment needs.
Jimal Isovski2021-05-11My experience dealing with Nic was flawless. He was extremely informative, supportive and organized when dealing with all my questions and investments. He truly looks out for his clients and does whatever it takes to go above and beyond for their success.
Karen Campbell2021-05-10Nic always has your best interest in mind. Very knowledgeable, respectful of your time and very keen. Trust-worthy too.
Familia Homes Inc.2021-05-10Really enjoy working with Nic on everything from insurance, to retirement savings and child education plans. He is extremely knowledgeable and his results have proven he is trustworthy.