THE VALUE OF AN ADVISOR

The five main advantages of working with a financial advisor

Wondering what a financial advisor can do for you?

An advisor will help you make the best choices for your situation and your investment and insurance needs. Don't wait!

Advisor

Advisors commit to:

Advisors create a personalized plan and investor profile based on your goals and needs. He aims to learn more about you: what are your dreams, your ambitions, your personal, family and career goals, your future plans and your retirement goals? They’ll ask you about your family situation, your spouse and your children. They’ll also consider your risk tolerance and any concerns you have regarding your financial health.

Because the financial services industry is complex and rapidly evolving, advisors are there to guide you in your choices by providing professional advice, helping you make the best choices based on your situation and your needs and enabling you to make informed decisions for yourself and your family so you can enjoy a healthy financial future.

Anything can happen. Your financial advisor will be there at every stage in your life to help you make the right decisions at the right time. Not only do they provide guidance regarding insurance and savings products; they also listen to your needs at critical moments. They’re there on good days and bad, year after year, enabling you to invest where you should, when you should.

Remember that it’s never too early or too late to work with an advisor, and no amount is too small to start with. Using an advisor lets you assess your situation and learn more about the various options available to you. It’s a proven fact that advice significantly boosts savings over the long run. Investors who use an advisor for 15+ years save 3.9 times more than their peers who do not.1

1 Claude Montmarquette and Nathalie Viennot-Briot, 2016

Three advantages of working with an advisor

Support

Advisors support you throughout the various stages of your life, in good times and bad. They are there to inform you and help you reach your goals, based on your needs and your personalized action plan. Your relationship with your advisor is one of trust and respect.

Your advisor will be with you, year after year, providing personalized service, answering all your questions, periodically updating your insurance and/or savings portfolio and helping you make the right decisions at the right time.

Expertise

Your financial advisor is qualified to offer you concrete solutions that will help you protect your family, your business and your quality of life—today and in the future. Before becoming an advisor, your representative completed a training program supervised by the regulatory body of the province(s) where he or she intended to work. Advisors start their training with the personal insurance qualification program (PIQP) to gain insurance-related knowledge and skills. After successfully completing the program, they sit the exams administered by the regulatory body in the province(s) where they want to do business in order to get a license.

Advisors are trained and have been constantly developing their skills through the company’s ongoing training. They have the necessary expertise to give you professional advice based on your situation in life and to help you navigate the choices you are facing.

Peace of mind

With an advisor, your family can enjoy peace of mind, knowing that you have the insurance coverage you need. Advisors ensure your investment decisions match your risk level and your life situation so you can leave a larger inheritance by saving better and more effectively.

Advisors also protect you from bad financial decisions or spur-of-the-moment investments based on the flavour of the month. Advisors are professional, honest and transparent, helping you make informed decisions for yourself, your family and your financial future, with peace of mind.

Service offer

Insurance

Advisors have access to a wide range of insurance and financial service products designed to meet all your coverage needs:

Life insurance

Disability and critical illness insurance

Mortgage insurance

Accident insurance

Savings

For your savings strategy, your advisor can help you find the products best suited to your personal situation.

RRSP, TFSA and Other Savings Plans

Education savings (RESP)

Retirement income products

RRSP loans

RESP loans

Investment loans