Gregor
McDonald is a CFP licensee/CERTIFIED FINANCIAL PLANNER located
in the Niagara Region of Ontario, Canada. He has been a Mutual Fund
sales representative since 1992 and a CFP licensee since 1998.
Three levels
of service provided depend entirely on client need.
Products:
The first level is simply the supply of a financial product such as
mutual fund, insurance and GIC etc., keeping in mind the most important
thing is that the right product be chosen for the right reason. Many
clients don't want to get into a great deal of financial planning lecturing
when they are controlling the issues of how much to buy for themselves.
RRSP /
Pension Administration: This service is for those clients that would
like to treat their RRSP as it were a pension plan and make contributions
to their plan based on need. We would set the plan using assumptions
as to inflation, rate of return (default 7%), income required at retirement
etc., we then determine the funding required to fulfill the retirement
objective and monitor it with annual reviews.
Financial
Planning: A complete and comprehensive financial plan with full
disclosure of financial information such as household spending, insurance
coverage and income verification, this process reveals a great deal
to those clients that complete it. As I state in the Financial
Planning section of this site the process that I use places as much
emphasis on today's lifestyle choices as tomorrow's planning needs.
It actually goes further in allowing clients to discover for themselves
which planning strategy will work best for any number of specific situations.
It is perfectly suited to determining what to do with the family cottage
or whether to donate art to a charity or even whether or not to do an
estate freeze.
The level
of service you want or need can be discovered in a brief 45 min meeting
where I show you how each of these can benefit you. You decide how you
think I should be compensated for my work (please see Fee Schedule).