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Design Your Future Financial

Are you just another Financial Planner?

Heavens No! I've come to notice that the majority of the financial industry tries to solve your issues with products. Our mission is to provide unbiased, independent, and proper advice based on your vision, values, and goals with only those that help to make our communities even better.

We also believe in giving back. We will donate 5% of all sales to help upcoming and coming entrepreneurs get over the hump and bumps of starting their own business. Also, I am the only advisor that I know who offers a no-risk 100% customer satisfaction guarantee. Let me ask you this: Does your advisor have a commission back guarantee? Why not?

Why are you doing this?

My mother and father always gave back to the community. It was something we just did. I enjoyed my engineering career as I solved problems, found out how things worked and came up with practical solutions but something was missing... I love giving back to our community and helping people, something I can now do.

Our mission has become to fiercely protect and expertly guide our clients to make the right choices so they can live their best life. A life of clarity, simplicity, and certainty - and of course, fun! This will make our relationships and communities even better!

Are you working for an institution?

I became very frustrated by the financial industry that seems to focus on pushing products instead of giving proper financial advice. That's why our services are independent and unbiased. We serve you and focus on your success! We share only proven strategies and systems that actually work for you and your family.

Who is your ideal client?

An ideal client is someone that wants to do better for themselves, their family, and their community. I love helping people that love helping others.

Can you help everyone?

Financial goal setting

Why should I have a Financial Planner?

A good Financial Planner will be able to connect all of the financial dots in order to provide you with an overall plan to meet your financial goals. Financial goal setting can also save you thousands of dollars in tax deductions and find higher-yielding investment products at little or no extra risk. People with a proper financial plan that is based on what they want, do better than those who do not have one.

What is involved in financial goal setting?

Financial goal setting looks at a person's overall financial picture. I will often ask a prospective client to fill out a questionnaire in order to understand his or her financial needs and goals. The planner will usually put together a detailed, short-term 5-year plan designed to improve the client's overall financial position. That may be followed by a long-term plan, along with suggestions about how to save and invest for retirement and a child's college education at the same time. The planner will also look at ways to reduce current and future tax liabilities and protect assets by having the proper life, health, disability and long-term care insurance coverage in place. Finally, he or she may offer suggestions on estate planning. Great advisors will help you replace your bad spending habits with good spending habits.

How do I pick someone to help reach my financial goals?

Choose a Financial Planner who has experience dealing with clients in similar circumstances to yours. You'll also want to make sure that advisor has your best interests in mind, and that he or she isn't selling you products that are not suited to your needs. Interview prospective advisors and ask them about credentials, management strategies, and history of performance. Call up past clients as references.

What questions should I ask a Financial Planner?
  • Ask about education and certifications.
  • Ask about his or her experience with people in a similar situation to yours.
  • Ask about the breadth and depth of products offered.
  • Ask how he or she is compensated for services.
  • Finally, always be sure to check that the Financial Planner is fully licensed and in good standing.
How often should I see my Financial Planner?

While your Financial Planner may make a different recommendation based on your particular circumstances, it's a good idea to see him or her at least once a year. You should also consider making an appointment in anticipation of life-changing events such as marriage, the birth of a child, divorce, or after inheriting a large amount of money.

What is a time horizon?

Time horizon refers to the amount of time a person has to save for a particular event. For example, the time horizon for a college savings account might be 10 years for the parents of an eight-year old child, but 15 years for the parents of a three-year old. Likewise, the time horizon for a 30-year old saving for retirement might be 35 years, whereas it might be 15 years for a 60-year old who started saving late in life.

How are Financial Planners paid?

Financial Planners are paid on either a commission or fee basis, or sometimes a combination of the two. Commissions are usually one-time charges based on each product sold or for each transaction. Fees can be based on the percentage of assets under management, an hourly rate, or even a flat fee.

How it works (process)

15 minute phone call
Discovery meeting

This is the step where you have some homework and we do the heavy lifting from here. Your income, your expenses, insurances, assets, debts will be needed and reviewed. A draft planning meeting can be scheduled 2-3 days after this information is received and your vision, values and goals have been discussed.

1st draft meeting

Your goals, values and visions are discussed and your numbers are reviewed. Usually a cashflow, debt elimination and investing plan will be made.

2nd draft planning meeting

The first meeting is based on if you lived a long and happy life, this meeting we will the discuss if life was cut short or the unexpected happened. Following your commitment to your goals and making any needed adjustments to your plans from the 1st Draft meeting, Risk Assessment, Income Protection, and Estate Planning will be discussed.

3 rd meeting: Delivery of your plan

This is where we bring it all together and deliver YOUR Plan. Your plan will consist of proven strategies that reduce tax, grow, protect, and keep what you have built – all based on your vision, values and goals!

Biannual review

A goal without a plan is often referred to as a dream. I'm sure you heard "We don't plan to fail, we fail to plan". A plan that is not measured, reviewed and tracked often falls apart. I'm here to help you reach your goals, follow your plan and make needed adjustments to ensure you stay on path to design your best future.

What you may not know...

Many believe they are unable to get insurance.
The majority of people do not like to talk about money.

Recent polls suggest it's because we are riddled with debt, and most have little to no understanding how money works. We fear what we do not understand. It's my belief that everyone should have access to professional financial services.

Reasons for buying insurance...

There are several types of insurance. Term Life Insurance is to provide for your family and loved ones when you are gone, Critical Illness and Disability Insurance can act as income replacement if you become sick or injured. Permanent Insurance can act as a combination of providing for you family, income replacement and also as tax efficient way of funding your lifestyle and retirement needs. We can also help with group and health benefits.

The 3 easiest ways to save for retirement...
  1. Pay yourself first. Most people only plan to invest after bills and living expenses are paid.
  2. Get financially educated. Financial freedom is possible for everyone.
  3. Pay down that debt. That's something I can help you with, making it easier and faster.

The Infinite Banking Concept

What is the Infinite Banking Concept (IBC) and why should I use it?

The Infinite Banking Concept was established by Nelson Nash in an effort to help people take back control of their own money, giving them the ability to keep and grow what they worked hard for instead of giving it away to the banks, government, fees and loss. Using a properly structured dividend paying whole life policy, you can recapture the interest you would have paid to someone or something else and still buy the things you want and need.

Why use Whole Life Insurance for Infinite Banking?

The main reasons for using a properly structured dividend paying Whole Life Policy is because because the cash value inside the policy is vested, meaning it never goes down, and grows tax efficiently. Insurance premiums are fixed while paid up additions and loan options are flexible, making whole life the ideal vessel to practice the Infinite Banking Concept.

Is it better to buy Term Insurance and invest the difference or buy Whole Life?

"Buy term and invest the rest" is a catchy slogan. It should be clear, in the financial world, there is never a one-size-fits-all. The design of the properly structured dividend paying Whole Life Policy is very important and there are generally 2 ways to structure a policy:

  • For maximum commission and low opportunity or
  • Minimum commission and maximum opportunity. We have been trained to help maximize opportunity.

How do I pay a policy loan back?

One huge advantage of Life Insurance loans is that you determine your payback schedule and payment amount.

With most insurance companies, you can pay a policy loan back with a monthly EFT bank draft or call in and give payment over the phone.

And the best part: You determine either how much you want to pay per month or calculate the payment amount based on the interest rate and the number of years to pay back the loan.

The most important part to grasp is that all the loan repayment options are flexible and are determined by you.

Also, later in life many people use their policy loan provision to supplement their retirement income.

As a result, they do not pay back their loan. Rather, the annual cash value growth and dividend payment of their whole life insurance is used as tax-free retirement income.

What are the advantages of Whole Life Insurance and the Infinite Banking Concept?

The main advantage of the Infinite Banking process is that it creates a peaceful, stress-free financial life. Other benefits include:

  • The investment portion grows tax efficiently. It is vested, meaning never goes down or will lose.
  • It is not affected by the stock market or economy.
  • You have the ability to borrow against it so you never have to pay personal tax.
  • This is like a high-interest savings account with tax and death benefits.
  • Creditor protected.
  • Helps you control your money like a banker.

What are the disadvantages of Whole Life Insurance and the Infinite Banking Concept?

Infinite Banking has disadvantages too. A person must either be insurable OR have a beneficial interest in someone else who is. Other disadvantages include:

  • It is slow growing. The dividend is not guaranteed.
  • It will not reduce your personal or INC tax.
  • The minimum cost of insurance must be paid each year, either by you, your INC, or by the cash value inside the policy. There is a maximum how much you can invest each year.

In addition, if you're not working with an Authorized Infinite Banking Practitioner, you may not be getting the best advice or coaching. To implement this properly, you need a good coach who has your best interest in mind.

Why haven't I heard of the Infinite Banking Concept before?

You've known for years that something is wrong with our financial system but you could never quite put your finger on it. What can the average person do? The wealthy have been using this concept for generations. Unfortunately, the current financial industry to mainly focused on selling products. Mutual funds and term insurance are easy to sell. Another reason is you can't get Whole Life Insurance at the banks unless they consider you an ultra high net worth client. These may be the reasons you have not heard of the Infinite Banking Concept before. We believe we're hitting a tipping point where the Infinite Banking Concept will become a household term in the near future.

Why would I ever borrow when I can pay cash?

The simple answer is opportunity cost. When you pay for something with cash your money leaves you, never to return when it could have been earning interest. Using a properly structured dividend paying whole policy to secure a loan allows you to recapture the interest you would have lost if you simply used cash.

Where can I get more information?

How to Invest Like the Best

Should I invest in my TFSA or RRSP?

Everyone is different and the actual answer depends on your current situation. For the majority though, if you were a farmer, would you rather be taxed on the seed or the harvest? A TFSA is like being taxed on the seed (you invest your after-tax dollars) and an RRSP is taxed like the harvest. I'm a big proponent of keeping your money instead of giving it away to tax.

Should I save or pay off debt?

We could run lots of different programs with awesome calculations to show you mathematically which to focus on but the answer comes down to the way your brain works. If you focus on debt and paying off debt, more often than not, more debt appears. That is why I almost always recommend to do both! Follow the philosophy of the wealthy - pay yourself first and live off the rest.

How much money do I need to retire?

There are several ways to estimate this and we do this for people all the time. One method is using the general rule of thumb from the "Millionaire Next Door" to see if you are on your way to creating wealth or if you are falling behind. You simply take your current net worth and divide it by your expected net worth (Expected wealth = (Age * Annual Income (Pre-tax) / 10). A value of 2 or greater indicates wealth, a value of 1.0 is average and 0.5 indicates you are falling short of your financial potential.

Can I invest in my INC? What should I invest in?
How can I become a millionaire?
What is the best way to save for your child's post-secondary education?
How do I get started?

What can you expect?

What is your best advice you offer to your clients?

Financial Independence or having the ability to retire comfortably is rather simple and really comes down to 2 things.

  1. Get a financial education.
  2. Follow your financial education: Knowledge is only potential power. It's not what you know, but what you do with your knowledge.

If you would like to take your finances to the next level, you will need to learn how to invest in yourself, something I'd be happy to help you with.

Will you put me on a budget?

Only if you want me to. Budgets, in my opinion, are like diets: They either don't work or last only a short while.

How will I feel after meeting with you?

Initially, we should meet 3 to 4 times to ensure we have the best plan that works for you. Once the plan is in motion, it is important we meet at least once a year to review your progress.

How often will we meet?

Initially we will meet 3-4 times with a 3 month time span. I highly recommend that we then continue to meet at least twice a year. We are here for the long haul and value the process over the plan.

How long does it take before I come wealthy?

Just like eating an apple a day or exercising, success doesn't happen overnight. Over time, your financial habits will become your philosophy of success.

Should I include my spouse?

If you have a spouse or partner, they should definitely be included in the process.

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