Our Difference - sageplanfinance.ca

Independent advice gives you more than you may think.

Independent advice offers a wealth of benefits that extend far beyond what may initially meet the eye. When you seek guidance from an independent advisor, you're tapping into a reservoir of expertise, objectivity, and personalized service that is unparalleled. Here's why independent advice gives you more than you may think:

1. **Unbiased Recommendations:** Independent advisors are not tied to any specific financial institution or product provider. This means they can offer recommendations solely based on your best interests, free from any potential conflicts of interest or hidden agendas. With an independent advisor, you can trust that the advice you receive is impartial and tailored to your unique financial situation and goals.

2. **Access to a Wide Range of Options:** Unlike advisors who are limited to recommending products from a single institution, independent advisors have access to a vast array of financial products and solutions from multiple providers. This breadth of options allows them to tailor recommendations that truly align with your needs, preferences, and risk tolerance. Whether you're looking for investment opportunities, insurance coverage, or retirement planning strategies, an independent advisor can help you navigate the market and find the right solutions for you.

3. **Personalized Service and Attention:** Independent advisors prioritize building long-term relationships with their clients. They take the time to understand your financial goals, aspirations, and concerns, and work collaboratively with you to develop a customized financial plan that reflects your unique circumstances. With an independent advisor, you can expect personalized service and ongoing support every step of the way, ensuring your financial journey is guided by expertise and care.

4. **Holistic Financial Planning:** Independent advisors take a holistic approach to financial planning, considering all aspects of your financial life and how they interconnect. From retirement planning and investment management to insurance coverage and estate planning, they help you develop a comprehensive strategy that addresses your short-term and long-term goals. By taking a 360-degree view of your finances, independent advisors can help you optimize your financial decisions and achieve greater financial security and peace of mind.

In essence, independent advice empowers you to make informed financial decisions with confidence and clarity. By leveraging the expertise, objectivity, and personalized service of an independent advisor, you can navigate the complexities of the financial landscape and pursue your goals with greater certainty and success.

In Quebec, there are around 34,000 financial advisors of which 5,000 are financial planners. Yet some statistics in recent years are that:

✔ 85% of Quebec’s workers are very concerned about the current economic situation. (ÉducÉpargne and the CSF 2022)

✔ 73% of Quebecers don't have a financial planner (FP Canada 2018)

✔ 50% of young Quebecers aged 25 to 44 say they are very or somewhat concerned about their financial situation.(ÉducÉpargne March 2022)

✔ 42% assert that this stress has a significant or quite important impact on their work performance. (ÉducÉpargne March 2022)

Licence from AMF

I am licensed as Financial Security Advisor and Financial Planner. by the Autorité des marchés financiers and am member of The CSF ( chambre de la sécurité financière)

Financial Planner

I hold the title of Financial Planner from the institute of Financial Planning.

Investment Advisor

I am licensed by The MFDA and AMF as Dealing Representative (Mutual Fund Dealer) *

F.Pl. (Financial Planner)

Your Trusted Financial Guide in Quebec

As a financial professional, I prioritize understanding the specific financial landscape of Quebec. I'm committed to upholding the province's high standards and hold the necessary qualifications to assist you with your financial goals.

F.PL. (Financial Planner) Designation

My F.PL. designation demonstrates my in-depth knowledge and expertise in financial planning specific to Quebec. The rigorous qualification process ensures I possess the skills to navigate the province's financial regulations and offer tailored advice for your unique situation.

LLQP (License to Practice as a Financial Security Advisor)

In addition to my F.PL. designation, I am also licensed as a financial security advisor - LLQP (Life Licence Qualification Program). This qualification allows me to offer a wider range of financial products, including certain insurance solutions that may complement your financial plan.

MFDA Licensed

I am also licensed as an MF dealer Representative by MFDA/AMF, allowing me to recommend and sell mutual funds that align with your investment goals. This qualification allows me to provide a broader service encompassing both financial planning and suitable investment options.

Focused Approach

By holding these licenses, I can offer personalized service and a deep understanding of your specific needs. This allows me to tailor my recommendations and ensure a close working relationship.

The F.PL® designation is recognized as the highest standard for financial planners in Quebec. It combines strict experience and education guidelines with a Code of Ethics. In Quebec, the FINANCIAL PLANNER® designation is overseen by the IFP (The institute of financial planning)

LLQP (Life Licence Qualification Program). This qualification is overseen by the Autorité des marchés financiers (AMF)

The Mutual Fund Dealers' Association of Canada (MFDA) is a self-regulatory organization that oversees the distribution of mutual funds in Canada.

Well-Rounded Experience

Our collaborative team offers the depth and breadth you need to navigate life's decisions. For many of our clients, we operate as their personal CFO, simplifying their lives by providing clarity and answers to the myriad of financial decisions they face every day.

Comprehensive Analysis

Efficient financial planning requires a close look at more than just account values and years to retirement. We assess your insurance coverage, cash flow, investment strategy, real estate portfolio, and more. We review each area within the context of your current situation and long-term goals.

Objective Advice

As an independent practice, we pride ourselves on offering unbiased and neutral financial advice tailored to your individual needs and goals. Whether you prefer fee-based or commission-based services, our commitment to providing transparent, personalized guidance remains unwavering. With access to a wide range of financial strategies and solutions, we empower you to make informed decisions that pave the way for a secure financial future. Our dedication to serving your best interests drives everything we do, ensuring that your financial journey is guided by expertise, integrity, and trust. Partner with us today and experience the difference that independent advice can make in achieving your financial aspirations.

Personalized Service

We are a boutique practice and we thrive on building long-term relationships with our clients. Our process is an opportunity for us to get to know our clients exceptionally well. We take pride in working as a team — both internally and with you — offering as much or as little hand holding as you need.

Financial Tools Made Easy

Get Results, Not Headaches. Many advisors offer tools, but who has time to learn them? We simplify your financial journey with personalized coaching and follow-up. We not only provide the tools but also: Explain the "why" behind each tool: Understand how they work and their impact on your goals. Save you time and frustration: Skip the learning curve and focus on what matters. Ensure you use them effectively: Maximize the benefit of these tools for your specific needs.

He listened to what I want to achieve for a secure retirement and guided me toward an investment plan which is balanced for growth & security. He also guided me with a budget-friendly comprehensive insurance plan for my family.

Mara GBanking

Rami Sayah has an impressive background in investments and financial planning. His expertise and competence consistently deliver first class financial advice. What sets him apart is his honesty, integrity, and genuine commitment to securing his clients' financial futures. Having previously dealt with a large bank for many years, I can confidently say that the quality of advice and follow-up I receive from Rami far surpasses anything I experienced before.

Hany ElmasryBusiness Owner

Rami Sayah's financial planning has been instrumental in my success. Since I started working with him in 2016, He showed me clear steps that I could easily implement. Since then, I've seen not only a significant increase in my savings but also improved investment performance. Rami helped me achieve multiple financial goals, which has given me much greater peace of mind about the future. He truly empowered me to take charge of my finances, and I'm grateful for his guidance. If you're looking for a true financial advisor who can help you achieve your goals and improve your overall financial health, I highly recommend Rami Sayah.

Geroge M

What Makes Us Different

We have not taken the easy path