CalgaryFinancialPlanner.ca - Calgary

"I appreciate ‘fee-only” financial planners are a rare breed, as recently noted that out of approx. 90,000 financial advisors in Canada, about 25,000 call themselves financial planners, 18,000 of which are accredited Certified Financial Planners (CFP®), and only 300 are further accredited as advanced financial planners (RFP)… but there are only ~150 fee-only financial planners offering advice only in the whole country, or one for every 244,000 Canadians! (0.17% of all financial advisors.)" - Tim Faunt

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While these statistics continue to evolve, it does explain why there is always a strong interest in the fee-only financial planning environment with people seeking unbiased planning advice - people want clear advice, not recommendations tied to product sales.

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Fee-only planners are generally un-registered individuals that will create a plan for you but cannot legally recommend or implement the investment strategy ie. they still refer you to a 3rd party portfolio manager. Now you have one person creating the plan, and another who may implement some, none or all of it, on their whim.

With RT Mosaic, we are fee-only planners with the added bonus that professional investment management is included with our service. The plan we create is implemented, monitored and updated by one person ensuring the entire overall plan is driving in the same direction. 

Our compensation is derived solely from fees paid by clients, not from products or 3rd party commissions, allowing us to provide unbiased and objective advice.

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I will create a holistic financial plan to optimize every aspect of your financial life, provide an objective assessment of whether you’re on track to reach your goals, and provide implementation and accountability for your wealth management strategy. 

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You will never know the cost of free advice, but good advice is priceless.