| Advisor Profile |
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Business Description |
| I offer clients a wide variety of investments (segregated funds, GIC's, Loans registered and non registered, Mortgages, Annuities, RRIF's, RRSP's, Visa's, Life Insurance, Disability Insurance, Critical Illness Insurance). |
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| Prepared By: |
Michael Bilodeau |
Frequently Asked Questions |
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| Q. |
What are your qualifications? What is your education background? |
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I attended Algonquin for 3 years in Economics, I also have held my full life license for 4 years. |
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| Q. |
What is your approach to financial planning? |
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What services do you offer? |
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RRSP planning, RRIF planing, Anuities, GIC's, Leverage Loaning, IPP's, Mortgages, Life Insurance, Disability Insurance, Critical Illness Insurance, Long term care Insurance, Health and Dental Insurance, Group RRSP's and Health plans. |
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| Q. |
How many clients do you currently manage? |
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| Q. |
Will you be the only person working with me? |
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yes I will be the only one to view your files and maintain them. |
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| Q. |
How are you compensated? How will I pay for your services? |
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there are no fees to the client or upfront expenses. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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depends on the client. If a client travels often I may suggest to the client to give me permission to be able to move money from one fund to another but I will always inform the client and recieve his/her aproval first. |
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| Q. |
Do you offer any guaranteed results? |
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yes I offer highly volitile funds a gurantee of 75% to 100% (depending on which fund company) of original investment. |
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| Q. |
How much risk should I be willing to take? |
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| Q. |
Have you ever been charged with any breaches? |
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no I have a perfect record and upon request I can give any prospect testamonials from other clients. |
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| Q. |
What carrier(s) do you represent? |
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I represent over 20 carriers (Manulife, Canada Life, TransAmerica, Unity Life, AXA, Standard Life, Equitable Life, Industrial Alliance, Empire Life, A.I.G., Assumption Life, Desjardin Financial Securities, RBC, Blue Cross, Sunlife Life, C.I., MacKenzie, T.D Asset Management, Tricycle Asset Mgt., ING Bank). |
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| Q. |
Are there any pre-existing conditions that you can not cover? |
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depending on which condition please contact me for futher details as this is done case by case. |
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| Q. |
How long does it take to complete the application and approval process? |
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for financial products usualy a week and on any life products usually no longer than 3 weeks. |
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| Q. |
Is there a maximum age that you can insure? |
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What carrier(s) do you represent? |
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Blue Cross, Manulife, Sunlife |
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| Q. |
What carrier(s) do you represent? |
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Blue Cross, Manulife, Sunlife |
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| Q. |
What services do you provide? What are your specialties? |
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I offer funds which have the gains of high risk with the risk tolerance of GIC's. I also offer life insurance and if theres a company in Canada which will insure you I have contracts with them. Also I deal with life insurance which if you dont die gives all of your premiums back with interest. I also offer Mortgages. |
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| Q. |
What is your experience? How many clients do you currently manage? |
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I manage over 1000 clients and have been in business for 4 years. |
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What financial institution(s) do you represent? |
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Manulife, Canada Life, TransAmerica, AXA, Standard Life, Equitable Life, Industrial Alliance, Empire Life, A.I.G., Assumption Life, Desjardin Financial Securities, RBC, Blue Cross, Sunlife Life, C.I., MacKenzie, T.D Asset Management, Tricycle Asset Mgt. |
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| Q. |
How do you charge for your services? |
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I am paid by the companies there is no cost to prospects or clients. |
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| Q. |
Do you provide a free initial consultation? |
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yes as I believe people should think before making any decisions. |
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| Q. |
Why should I choose you as my financial advisor? |
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I have an excellent track record with of helping people choose the best possible funds so not to loose money. Also I have many years untill I leave the business which means you will never have to look for another advisor agian |
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| Q. |
What are your management fees? |
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none I am paid by the company there is no charge to the client. |
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| Q. |
What kind of plans do you specialize in? |
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I specialize in Leverage Loans, RRIF's, RRSP's, and Anuities. |
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| Q. |
Do you have a minimum requirement for number of employees or total investment value? |
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no I have high net worth clients and I have clients who only invest 200 dollars. |
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| Q. |
What type of plans do you offer? |
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Leverage Loans, RRIF's, RRSP's, and Anuities. |
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