As a full service financial planning and investment firm, we work with a multitude of partners in order to do the best job possible for our clients. That said, we don’t work with just anyone. We’ve taken the time to source partners who we believe to be some of the largest and best in the industry. At the same time we wanted to maintain our independence in order to be able to serve our clients best interest and not those of our partners. This starts with our investment dealer and goes right down to the investment firms and insurance companies we use to implement our clients financial plans.
Our Investment Dealer
As a licensed mutual funds sales representative, we’re required to work with a mutual fund dealer through which all mutual funds are purchased. Our dealer of choice in this regard is Investia Financial Services Inc. Investia is one of the largest independent mutual fund dealers in Canada and is a subsidiary of Industrial Alliance Insurance Company of Canada. The size and experience of these two companies brings a sense of comfort to our clients.
Their primary role is twofold. First, they provide oversight and compliance to ensure advisors are following mutual fund regulations and only sell appropriate products to our clients. Secondly, they provide a platform to securely trade only approved mutual funds for our clients. They have no proprietary products to sell and no quota’s for advisors to fill.
Our Insurance Managing General Agency (MGA)
In order to sell insurance products, licenced insurance advisors who choose to work as independents must use a Managing General Agency (MGA). The MGA’s role is to act as an intermediary and secure contracts with life insurance companies for their advisors. Additionally they are there to provide training and support to the agents on the various insurance products available from the insurance companies they represent.
Our MGA of choice is Financial Horizons Group. Financial Horizons is one the largest MGA’s in Canada and they have contracts with all the major life insurance companies. This gives us the best possible choice when looking for insurance solutions for our clients.