The problem with financial advisors today is . . .
every advisor sounds the same.

Let us guess the promises you have heard: 

"We'll match your investments to your specific needs, really listen, and we'll meet with you at least twice per year to review your portfolio and your strategy. . . let's mark up our calendars."

They'll probably also tell you: 

How big their firm is, how many billions in assets they manage, their general reputation and experience, and their great knowledge of financial instruments.

The question is: 

HOW?

How do they go about actually delivering what they promise?

Well, they don't.

You see, planning your financial future is no easy task. In fact, planning is hardly about just putting together a portfolio and reviewing it twice a year. Nowadays, any robot can do that.

Investing is only part of planning your financial future.

But, that's not what the financial services industry as a whole wants us to believe. We've been led to believe we should expect a financial advisor to put together a portfolio that matches our investment objectives. And, furthermore, if we do the "investing thing," we are effectively planning for our future.

This simply isn't true. True, valuable advice takes much more into consideration than just your investments.
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“85% of all Canadian equity funds underperformed the underlying benchmark in  2023!  

Where is the advice?!

• structuring your debts and mortgages most efficiently
• maximizing your families cash flow
• minimizing your tax exposure
• ensuring your risk and insurance coverage is on point
• proper completion of a last will and testament and other important legal documents
• and should you have a business, how all this impacts your company and what matters for the future of your business
• the best way to use any extra funds: investing, improving lifestyle, or reducing tax, paying down debt, etc.

They are likely just taking care of the aforementioned portfolio management and, based on statistics, under-performing the overall market at the same time.

What are you paying a financial advisor for?
And, what exactly are you getting advice about?

Are your financial decisions taking you as far as possible?

How are you prioritizing where your money goes within your financial plan? 

How do you make sure you're taking full advantage of everything within the tax law, as well as the legal and financial knowledge arsenal to benefit you (and not only your portfolio)?
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Taking control NOW can be the difference between:

We've built our firm on the idea that taking control of one's finances is one of the most ultimate forms of self-respect.

At Precedence, we believe it is personal.

‍We may have access to all the fancy systems for investment management, advanced tax strategies, etc. But, if we forget that there is actually a family's future behind each financial plan and recommendation we make, then it's not just our approach that has failed, so have we.
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