What makes us
different
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:
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)
We have not taken the easy path
Instead, we got licensed and certified because being independent is very important to us.
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)
our 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.
We have some core values which form the basis for everything we do
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.
Book a FREE Consultation
Let’s have a friendly, no-obligation chat to understand your goals and see how Sageplan can support you.
We are one of the few Financial Planning practices that are truly independent.
Discover the difference of true independence in financial advice.
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.