Providing financial advice and investment planning solutions to individuals since 1993, my investment and advisory experience includes over a decade at TD Securities, CIBC Financial Planning and RBC Investments. I became an independent advisor in 2011. All investments are held directly with the insurance companies I represent. Online account access is provided to all clients. Investment products are normally purchased on a front end or back end commission basis. Back end commission is referred to as deferred sales charge. As our average household account size is normally in excess of $100,000, I offer all Guaranteed Investment Funds on a front end basis and charge 0% commission.
Similar to mutual funds, Guaranteed Investment Funds have management expense ratios (MERs). My servicing/advisory fee comes from the MERs. You, as a client, pay nothing more – and are not tied to any products or services for any length of time. If for whatever reason you are unsatisfied, you can simply close out your account or transfer your account to another financial institution.
