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Where to find a fee-only financial planner
The most comprehensive listing of Canadian fee-only financial planners on the web, from MoneySense magazine.
By MoneySense staff | Online only, 1/10/12 Tags: adviser
Is a fee-only planner right for you?
The main advantage of hiring a fee-only planner is that the payment system is more transparent than other systems. T his means that you will always know how much you're paying for financial advice, and your planner is less likely to have a conflict of interest.
Fee-only planners can be hard to find in Canada. Most financial open in bCrourwrensteisrsueP: RO version Are you a developer? Try out the HTML to PDF API
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planners are paid using the commission model. In that model, planners get most of their income in the form of commissions for selling you funds.
However, a small group of planners have opted for the "fee-only" payment model, in which they get 100% of their income from their clients, and no money from fund companies.
If you hire a fee-only planner who offers different payment options, we recommend that you use the hourly fee option. This option puts your planner's interests in line with yours. Y our planner is less likely to receive payments from mutual fund and insurance companies for selling you product. But no matter what payment option you use, you should always ask your planner to list all commissions and fees he or she receives in writing, including sales commissions, trailer fees and referral fees.
The main drawback with hiring a fee-only planner is that many are not licensed to sell you investments directly, so they provide you with a general plan and you have to put it into action yourself. In general, fee-only planners are most appropriate for people with more than $100,000 to invest who don't mind getting involved in buying and selling their own investments.
Below is an alphabetical listing of financial planning firms that you can pay by the hour or by the project. Please note that the system a planner uses for compensation does not in and of itself make a planner more or less competent, so you should employ the same due diligence in hiring a fee-only planner as you would when hiring any other kind of planner. In particular, we recommend a thorough interview with at least three candidates before making a selection.
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The listing is provided as a service only and the firms listed have not been screened or approved by MoneySense magazine or Canadian Business Online.
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Alfred Feth 67-463 Beechwood Place, Waterloo, ON, N2T 2N8, tel: (519) 5725510 email: akfeth@ licensed to sell investment products: no payment options: ? hourly fee: $150/hr ? by project: initial segmented plan ($600 to $1,200); comprehensive plan, including six financial planning modules ($1,800 to $3,150) ? annual reviews: $900 to $1,800 each areas served: Kitchener-Waterloo, T oronto and London (all in Ont.) minimum account size: none planner credentials: FIC, CFP, R.F.P., EPC areas of specialization: retirement, estate and tax planning
Amonson Wealth Management 15 Mackay Dr. S.W., Calgary, AB, T 2V 2A3, tel: (403) 231-1936 email: john@ licensed to sell investment products: no payment options: ? hourly fee: $275/hr for principal's time; $125/hr for assistant's time ? percentage of adjusted net worth: ? 0.75% on the first $2,000,000 of adjusted net worth ? 0.50% of the next $2,000,000
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? 0.25% on adjusted net worth over $4,000,000 areas served: Calgary, Victoria and T oronto minimum account size: $2,000,000 of adjusted net worth (annual fee of $15,000) planner credentials: m, MBA, CFP, R.F.P. areas of specialization: comprehensive unbiased wealth management
Anne Brandt Personal Financial Consulting Anne Brandt 3108 Patullo Cres., Coquitlam, BC, V3E 2R2, tel: (604) 552-1696 email: anne@ web: licensed to sell investment products: no payment options: ? hourly fee: $150/hr ? set fee for plans: $800 to $1,500 areas served: Vancouver area and the Lower Mainland minimum account size: none (does not manage assets) planner credentials: CFP, R.F.P., PFP areas of specialization: ? retirement planning ? severance and early retirement packages ? pension decisions ? income tax planning and preparation
Anna Knight International Capital Management 940 T he East Mall, Suite 200 Etobicoke, ON M9B 6J7, tel: (416) 621-6299 ext. 252 email: anna@icm- web: annaknight.ca, icm- licensed to sell investment products: yes licensed to sell insurance products: yes
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payment options: ? hourly fee: $200/hr ? $250/hr or commission ? complementary initial 60-minute consultation minimum account size: $250,000 planner credentials: CFP areas of specialization: ? Retirement and Estate Planner that assists individuals and couples planning to retire in the next 5 to 10 years.
Astrolabe Financial Group Inc. Stevan Dostanic & Ryan Kerr 1775 Courtwood Crescent, Ottawa, ON, K2C 3J2, tel: (613)-2216061 email: stevan.dostanic@astrolabefinancial.ca or ry an.kerr@astrolabefinanc ial.c a website: astrolabefinancial.ca licensed to sell investment products: no payment options: ? hourly fee: $130/hr ? by project: flat fee for a one time comprehensive financial plan ($800.00 to $1,500.00) ? initial client assessment: free ? special pricing for seniors and affected Federal Government Employ ees areas served: Eastern Ontario and Outaouais minimum account size: none Designation: CFA
Assante Wealth Management David Phipps 1600 Carling Avenue, Suite 550, Ottawa, ON, K1Z 1G3, (613) 7293222 ext. 239 email: dphipps@ web:
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licensed to sell investment products: yes payment options: ? hourly fee: $195/hr areas served: Ottawa and surrounding areas minimum account size: none planner credentials: CFP, T EP areas of specialization: holistic financial planning for professionals and executives
Assante Financial Management Ltd. Michael Hadford 210, 1210 8 St. SW, Calgary, AB, T 2R 1L3 tel: (403) 543-6985/1888-5 4 1 -PLA N email: mhadford@ web: advisors/mhadford/ licensed to sell investment products: yes licensed to sell insurance products: yes payment options: ? 1%/year of assets managed (initial and ongoing financial planning included in investment management fees) areas served: Calgary and area; British Columbia minimum account size: $250,000 planner credentials: B.Sc., CFP areas of specialization: ? Financial Planning ?Retirement Planning ?Planning for Small Business Owners
B L Garbens Associates Inc. Barbara L. Garbens 39 Granlea Rd., T oronto, ON, M2N 2Z6, tel: (416) 227-1543 email: barb@ web: licensed to sell investment products: no
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payment options: ? hourly fee: $175 to $200/hr areas served: T oronto minimum account size: none planner credentials: MBA, CFP and R.F.P. areas of specialization: retirement planning (detailed cash-flow projections as well as consultations), tax planning and tax return preparation, estate planning
Barbieri, Joe Joe T he Investor Group 80 Quebec Ave., Suite #309, T oronto, ON, tel: (647) 286-8020 email: joetheinvestor.today@ web: joetheinvestor.ca T witter: @JoetheInvestor licensed to sell investment products: no payment options: ? initial consultation: $350 (includes HST ) ? $150/per hour (discount pricing is available if paid in advance) areas served: T oronto and surrounding area, by telephone anywhere in North America planner credentials: B.A.Sc, BCom, CFA areas of specialization: ? debt management ? advice-only financial planning ? retirement and pensions ? financial simplicity
Beck, Paul Paul Beck Financial Services 201-35 Stone Church Rd., Ancaster, ON, L9K 1S4 tel: (905) 81881 1 1 email: paul.beck@thepowerofmoney.ca web: thepowerofmoney.ca
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licensed to sell investment products: no licensed to sell insurance products : yes payment options: flat fee and hourly $125 (complementary initial 30-minute consultation) minimum account size: none planner credentials: CFP, FMA, FCSI areas of specialization: retirement and estate administration, budgeting, tax planning/preparation
Ben Davies Financial Planning 201 ? 1819 Beaufort Ave., Comox, BC, V9M 1R9, tel: (250) 3395776 email: bdavies@ website: licensed for: securities, ET Fs, insurance payment options: ? hourly fee: $150/hr ? fixed fee plans $250 ? $1,500 (depending on content, c omplex ity ) ? fee-based asset management: price range depending on account size, risk profile areas served: primarily Vancouver Island but licensed in BC, AB, MB, ON minimum account size: generally $250,000 but negotiable planner credentials: BA CFP areas of specialization: comprehensive financial planning
Cameron Leadership Development M.A. Peggy Cameron Box 36047, Ottawa, ON, K1Y 4V3, tel: (613) 729-2254 email: macameron@sympatico.ca web: cameronleadership.ca/ licensed to sell investment products: no payment options:
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