Start the Process: Get Organized, Simplify and Preserve Your Wealth.
We want to hear about your financial situation, the goals you want to accomplish, and any challenges you're facing. On this 45-minute phone call, we'll also share how we can help you do more with your money, and answer any questions you have.
Request your complimentary consultation
Fundamental Wealth builds your one-page financial plan
During the last 15 minutes of your initial consultation, we'll gather financial details and data points so that we can create your complimentary one-page financial plan. We'll deliver that plan to you in our follow-up session (which we'll schedule together before the end of our first call).
For our second meeting together, we'll set up a 45-minute in person or video call and walk through your plan together to identify opportunities, urgent action items, or any issues. We'll also discuss working together with Fundamental Wealth to develop a full plan with ongoing support.
Review the plan together
Start your Wealth Management journey
We are looking for long-term relationships, not quick transactions. If you'd like to partner with Fundamental Wealth we’ll send you our service agreement expectations. Once set up, the Fundamental Wealth team will work with you to gather important details to create your financial foundation and schedule your first full session with your personal financial advisor.
Our 5 Core Principles:
Our mission is to become your Chief Financial Officer. If it has a $ sign involved, we are here for you.
Align your Finances
We will work with your other professionals to balance your best interests with your desired outcomes.
We provide independent, unbiased advise that puts your families interests first.
Educate & Empower
Financial education is at the core of what we do, and it is key to helping you make informed financial decisions.
We are committed to providing sound, personalized, actionable advice delivered in plain English.
What is a "One-page" Financial Plan?Our team has spent the last 70+ combined years creating thousands of financial plans to help our clients achieve their financial goals. As Certified Financial Planner Professionals, we are bound by a code of ethics that binds us to ensuring we take a comprehensive approach to financial planning (meaning we don't just do investments). A one-page financial plan is a simplified yet comprehensive outline that distills essential financial information and strategies into a single, easy-to-understand document. It focuses on key financial aspects, offering clear, actionable steps personalized to an individual's goals and circumstances. This condensed format emphasizes simplicity and prioritizes implementation above overwhelming details, serving as a practical roadmap for financial success. As a part of our Certified Financial Planner Professional commitments, you can rest assured we have done all of the heavy lifting in the back ground to deliver you an easy to follow plan. Here is what you will receive at the end of the complimentary one-page plan process: 1) Your Complimentary One-Page Financial Plan, straight forward and full of actionable advise. 2) Your Asset-Map, a visual representation of all your stuff to help you get organized. 3) Your Retirement Income Guardrail Strategy, to help ensure you don't run out of money... or die with a mattress full of it. 4) Our Client Service Standards, were we show you our cards.
Where do you hold my investments and how can I see them?For your safety and convenience, Fundamental Wealth of Harbourfront Wealth Management uses National Bank Independent Network (NBIN) as the custodian for our clients investments and retirement accounts. NBIN administers more than $304 Billion in assets for more than 1 Million Canadian Investors. As a trusted custodian, NBIN safely holds your investment accounts and provides reporting to you and the CRA each year. Your accounts can be viewed at any time at through My Portfolio Plus Login or by navigating through our website under valued clients.
Why should I consider hiring Fundamental Wealth?There are five reasons to consider hiring our firm: To turn your nest egg into a reliable paycheque in retirement. To pay CRA less and keep more of your hard-earned money. To reduce risk in your portfolio and generate healthy after-inflation returns. To spend more of your time doing the things you love in retirement. To ensure your family, spouse, and/or heirs have a trusted professional to lean on if something happened to you. You can learn more about our expertise by checking out the Retiring Canada Podcast, sign up for our weekly newsletter or get your complimentary one-page financial plan.
How are you different than other financial advisors?There are three really important things about our firm that separate us from others: We are retirement and tax planning experts. Just a Cardiologist wouldn't perform foot surgery, we remain highly specialized and only work with retirement savers we have the expertise to help. We limit the number of new clients we take on. This allows us to provide unparalleled value and highly personalized service to the families that have entrusted our firm to help them. We work as a team to service our clients. Being a client of Fundamental Wealth means that you have access to a financial planning team that is here to support you in your retirement journey. Combining our resources and intellectual capital enables us to deliver high-quality advice and ensure nothing falls through the cracks. The fact that it's hard to differentiate one advisor from another is EXACTLY why we offer a Complimentary One Page Financial Plan. Many of us have similar titles, designations, and service models. It can be wildly challenging to evaluate advisors and find the best one for you! If you think there is a potential fit between your needs and our expertise, the first step is to schedule a complimentary phone call.
Can I work with your team if I don't live in Saskatchewan?Yes. We are registered through IIROC to advise clients in Saskatchewan, Alberta and British Columbia. Although we are not currently registered elsewhere in Canada, we would consider extending our registration if the opportunity to help were to arise.
What happens next if I want to become a client?After completing the full complimentary one-page plan process, here are the next steps to become a client of Fundamental Wealth. 1) Review & agree to our Client Service Standards. 2) Provide all relevant documents requested by our team. 3) Virtual or in-person meeting to complete outstanding and time sensitive tasks. 4) Finalize investment & retirement income decisions. 5) Our team will complete all paperwork and facilitate all transfers. 6) Follow up discussion and preparation for ongoing client service standards.
How does Fundamental Wealth make money?We are an independent, Fee-based advisory team. One transparent fee includes ongoing retirement and tax planning + tax-smart management of ALL investment accounts and more. Our ongoing advice fee is based on the portfolio size that you have with us: It only makes sense to hire a financial advisor -- or any professional -- if the value they provide exceeds the fee being charged. In other words, the time and effort saved by hiring an expert + the tax savings (and potentially increased investment returns) need to exceed the fees being charged.
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Devoting ourselves to our client's interest first has always been our highest priority.