fbpx

Independent Financial Advisor in Winnipeg, Manitoba

As your Winnipeg financial advisors, we can help you in many different areas of your financial life, including wealth accumulation and retirement planning, estate planning and wealth transfer, investment planning, and financial risk management.

If you are looking to work with a financial advisor in Winnipeg, we would be glad to earn your business.

Our team of dedicated financial advisors is committed to helping you achieve your wealth accumulation goals through simple, yet effective strategies that minimize financial risks.

We understand that every client is unique, which is why we tailor our services to meet your specific needs. Whether you’re looking to save for retirement, purchase a new home, or simply build your wealth over time, we can create a personalized plan to help you reach your targets.

We believe that financial success is within reach for everyone – it’s just a matter of taking the first step. If you’re ready to take control of your finances and start building your future, contact us today to schedule a free consultation. We look forward to helping you reach your financial goals!

Winnipeg financial advisor
Ramon Desiderio - Winnipeg Financial Advisor

Simply click or tap on the button on the right (or below) to book an exploratory meeting to learn how our financial advisory services can help you and your household in planning your financial future, while at the same time helping you hedge against your financial risks.

Winnipeg Financial Advisor Services

Risk Management and Asset Protection

As opposed to popular belief, income and investments aren’t the foundation of a solid financial plan. 

Financial risk management is. 

Should your ability to earn a living ever gets affected by a serious life event, your income STOPS

Most Canadians who have experienced such roadblocks had to dip into their investments or even debts in order to support themselves and/or loved ones to supplement the household’s loss of or reduced income while they are dealing with an illness, injury or a breadwinner’s death.

Protecting your #1 asset

A well-planned personal financial risk management strategy protects your number one asset, so you or your loved ones don’t have to liquidate your other assets and investments or go into debt should a serious life event roadblocks your long term financial goals.

By identifying and recognizing these potential risks and taking steps to mitigate them, you can help safeguard your assets and protect yourself and your loved ones from financial difficulties at an already difficult time.

So, what is your most important asset?

Is it the house you live in?

The car you drive?

Or, your investments?

If you have to work to earn income, your most important asset is “You, when you’re at WORK!” Everything else is secondary, and you risk losing all your “other assets” if you lose your ability to earn a living. 

An effective financial risk management plan helps secure yourself and your loved ones against such financial catastrophe, so your household never has to be poor in case one of the breadwinners can’t work due to whatever reasons. In essence, risk management helps you avoid a situation where the “what ifs” turn into “what nows”, just because you failed to plan.

Book an appointment here to explore your financial risk management options. As independent Winnipeg financial advisors, we can help you implement risk management plans that take care of your financial well-being, so you never have to be poor, no matter what curved-balls life throws your way.

Winnipeg Financial Consultants

Wealth Accumulation

The first rule to effectively manage your money is that you must spend less than the income coming in. In other words, if you want to get ahead financially, make it a rule to not spend the money that you don’t have. Spending less than what you make would allow you to free up the necessary funds to eventually buy your financial freedom.

When it comes to planning your financial future, it’s not enough to simply save money. By taking the time to learn about the various financial options available to help you grow wealth, you can maximize your money’s potential growth for a better financial future.

As your Winnipeg financial advisor, we can help you sort through the possibilities and find the right investment vehicle for you.

One of the most important things to understand when it comes to building wealth in Canada is that there are a variety of factors that can impact the results you want to achieve long-term. These variables include the length of your investment time horizon, your risk profile, market fluctuations, your available capital, and how you want to shelter your gains from potential taxes at withdrawal.

At our financial advisory firm, we focus on helping our clients build a strong foundation for their financial future. This means taking the time to get to know you and your unique circumstances. We’ll work with you to develop a personalized investment strategy that meets your specific goals and objectives.

Working with a financial advisor can help you gain a better understanding of the different options available and make informed decisions about how to best grow your wealth.

We believe that investing doesn’t have to be complicated. You don’t have to learn how to read charts, master price action, or any price indicator. The most important thing when it comes to investing is in deciding that you do want to invest to achieve wealth milestones and your long-term financial goals.

You see, investing isn’t about “timing the market”, rather it’s about “time in the market”.

The longer time that you’re invested, the higher your investments would have grown.

retirement planning

Wealth Transfer and Estate Preservation

When you pass away at old age and you’ve managed to accumulate wealth that is going to be passed on to your heirs, know that any other asset that you’re going to leave behind except your primary residence and insurance may all be subject to capital gains taxes.

If your estate or heirs don’t have the means to pay off these capital gains, the assets passed on may need to be liquidated to pay off taxes at death since all assets left behind are considered disposed of before the person’s death.

One of the best ways to transfer wealth, tax-free to your next generation is through life insurance as they don’t need to pay taxes on the life insurance proceeds, and if you’re leaving other assets to your heirs, well-planned life insurance can cover and pay for any capital gains that may arise as a result of your death.

(Office meeting by appointment only)

Top Financial Advisor - FAQs

What does a financial advisor exactly do?

A financial advisor is a professional who helps people make smart choices with their money. Financial advisors offer a wide range of services, from financial risk management to wealth accumulation, retirement planning, and wealth transfer. We can work with individuals, families, or businesses. One of the most important things a financial advisor does is help their clients set financial goals and implement a strategy for achieving these financial goals. This involves looking at factors like income, debts, and expenses to come up with an overall plan. Once goals are set, the financial advisor can help develop a strategy for reaching them. This may include investing in specific types of accounts or products. Financial advisors also provide ongoing support and advice, helping their clients stay on track and make necessary adjustments.

Are financial advisors free?

The cost of financial advice depends on the type of services provided and the complexity of your financial situation. Some advisors charge by the hour, while others charge a flat fee or a percentage of your assets. In addition, some advisors earn commissions on the products they sell, such as insurance policies and investment products. While commission-based compensation may create a conflict of interest, it is not necessarily a bad thing. The important thing is to find an advisor you trust who provides value for the fees they charge.

How does a financial advisor get paid?

Financial advisors typically get paid in one of two ways: commissions or fees. Commissions are paid by the companies whose products the advisor sells, such as insurance companies or investment firms. Fees, on the other hand, are paid directly by the client. Many financial advisors work on a fee-based model, which means they charge an hourly rate or a flat fee for their services. Some advisors also work on a commission basis, charging a percentage of the funds they manage for their clients. Regardless of how they are paid, financial advisors must always put their clients’ interests first. They are required by law to disclose any conflicts of interest and to always act in the best interest of their clients.

Do I really need a financial advisor?

Many people assume that they can manage their finances on their own, but there are a number of good reasons to seek out the help of a financial advisor. For one thing, financial advisors are trained to provide objective advice based on your unique circumstances. They can help you develop a plan to reach your financial goals and make sure that you are on track to achieve them. In addition, financial advisors can provide valuable insight into investment opportunities and offer guidance on how to manage your money in retirement. Ultimately, working with a financial advisor can give you the peace of mind that comes from knowing that your finances are in good hands.

Should I get financial advisor in 20s?

While there are many factors to consider when making the decision to hire a financial advisor, age is one of the most important. For young adults just starting out in their careers, the stakes are often lower and the financial landscape is less complex. As a result, many people in their 20s find that they are able to manage their finances on their own. However, there are also a number of compelling reasons to seek professional help. First, a financial advisor can provide guidance on how to best save for long-term goals such as retirement. They can also offer valuable insights on how to invest money wisely and protect against financial risks. For young adults who want to be proactive about their finances, hiring a financial advisor can be a smart move.

Scroll to Top