Why choose me as your fee-only advisor? 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. If you still prefer to talk to an advisor, we can build a retirement plan and investment portfolio together based on your goals and risk tolerance. If you haven’t already, through screen sharing, I can help you open an online brokerage account, transfer your existing accounts and investments, and show you how to place a trade. I’ll teach you how to save more, invest well and prepare for your future. If you understand it, you’ll earn it. If you don’t, you’ll pay for it. Your biggest enemy is high fees. I offer sound financial advice to help you manage your money, and decide on big-picture questions like:
- When can I retire?
- How much can I safely spend?
- Am I invested appropriately?
- Should I pay down my mortgage or invest?
- Can we afford to have one parent stay home with the kids full-time?
Building a Financial Foundation
The premise begins with the notion that investing can be simplified through low-cost index funds, allowing for the construction of a diversified portfolio comprising stocks, bonds, and cash ETFs. Additionally, I can assess your existing portfolio, analyze its asset allocation, risk profile, and fees, compare its performance to a relevant benchmark or index and offer recommendations for the potential for greater financial gains.
This implies that I provide an alternative to the services offered by typical advisors at major banks. Unlike those who earn commissions for promoting bank mutual funds, suggesting mortgage vacations, and initiating full-service accounts, my focus is on offering sound advice to help you reduce fees, manage debt, and save strategically to achieve both short-term and long-term financial objectives.
A financial plan documents an individual’s short-term and long-term financial goals and includes a strategy to achieve them. An investment portfolio serves as a tool designed to realize your financial objectives. This is why an experienced advisor will prioritize comprehending your specific circumstances. Each individual is unparalleled, and as such, their portfolios differ too. While the markets apply universally, your personal interaction with them remains distinctive. My approach involves a thorough consideration of your existing financial status, future requirements, and risk tolerance. This forms the foundation for tailoring a precise strategy, complete with personalized suggestions aligned with your way of life and aspirations. For the average investor, this can be accomplished in a one-hour session provided you send me your investment statement before the meeting.
Affordable Financial Solutions
After we build the original plan, an annual meeting is usually sufficient. I’m only a call away if you feel we need to speak again, if you’re going through a life change that impacts your financial situation or simply curious about your financial progress. You’ll feel empowered to make the right tweaks to your finances so that you can reach your goals sooner.
My goal through this fee-only advice model is to teach you how to manage your finances so that you don’t have to rely on me going forward. With the additional guidance from my investment and financial planning apps, you will be well on your way to managing your investments with confidence for now and for the future.
Asset Location & Allocation
By strategically placing assets, you have the opportunity to shield less tax-efficient investments that accrue interest. Additionally, you can allocate more tax-effective investments, generating dividends and capital gains, within your accessible accounts. Conversely, asset allocation facilitates diversified investments spanning geographical areas and asset categories like equities versus fixed income. The outcome is optimized risk-adjusted returns that align with your individual objectives and risk tolerance.
Furthermore, I remain vigilant about your income tax planning situation. This attentiveness aids in circumventing unnecessary capital gains triggers, safeguarding your Old Age Security (OAS) and other government credits and benefits, and leveraging your tax brackets to your benefit.
Budget & Cash Flow Planning
Uncertain about the destination of your monthly finances? Finding it challenging to meet present needs while also saving for the future? My collaborative approach empowers you with the resources necessary to track your expenditures, identify potential areas for reduction or reallocation, and create a dependable budget that instills confidence.
Executor Consulting
I offer guidance to executors regarding estate procedures and administration, ensuring compliance with tax filing deadlines. I furnish a network of recommendations for diverse professionals that might be necessary and help maintain a well-organized approach to ensure a seamless distribution. Whether an estate is intricate and demands the management of a professional trust company, or it is straightforward and uncomplicated, I stand ready to assist across the entire spectrum of estate scenarios.
Net Worth
The value of your personal net worth experiences fluctuations over time, influenced by factors like your life phase, market conditions, real estate dynamics, and the natural ups and downs of daily life. While your net worth is quantified at a particular juncture, it is beneficial to periodically refresh and evaluate it. This practice serves as a valuable tool to gauge your advancements and ascertain the continued alignment of your comprehensive financial strategy.
Second Opinions
Whether you’re grappling with uncertainties about your current approach or seeking reassurance that your actions align with your objectives, I’m prepared to engage in a conversation with you. During this dialogue, I will offer insightful observations regarding your situation.
 |  |  |  |  |
|---|---|---|---|---|
| InvestCAN | InvestRESP | InvestUSA | RetireCAN | RetireMGN |
| $99.99 CAD | $12.99 CAD | $79.99 USD | $99.99 CAD | $9.99 USD |
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.