As a financial planning firm, we are proud to offer a full suite of investment services tailored to our clients’ financial needs. This could be as simple as specific information or recommendations on investment products all the way to a comprehensive review and development of a holistic financial plan. To view a full list of our services, see our Financial Services.

Most people do not have the time or expertise to develop, implement, and review a financial plan on their own. Having an advisor that can help in this area ensures you have a plan and that you stay on track.

Our financial planners work primarily via the AUM (Assets Under Management) model. This means that we will collect a fee (approximately 1%) based on the total investment value of your portfolio. The returns listed for your portfolio are net of all fees, meaning the return that you see listed in your statements is yours in its entirety.

Yes! While most of our clients pay via the AUM (Assets Under Management) model, we can accommodate clients who prefer to pay via a fee for service arrangement.

There are 2 main advantages we have over your local bank branch:

1. Independent Advice – Did you know that banks have targets and quotas that they need to hit for selling their own products, just like a salesman? We operate independently, which means we are free to offer you whichever product best suits your needs regardless of provider.
2. Personal Touch – At Landeryou Financial, our team is family. You can be confident that you will be working with the same individuals day in and day out, unlike at the bank where turnover can be high, making a long-term investment strategy difficult to implement. We also take a personal approach to financial planning. We want to get to know you: your personality, circumstances, and goals so that we may help you to achieve them.

For more information, click here.

At Landeryou Financial, we pride ourselves on our client-centered approach. This means you are involved in the plan from start to finish. If you have specific goals or areas of focus you’d like us to take into account we want to know about them! This could include the ability to select specific investments in certain situations. Ultimately it is your money and your goals, but our recommendations are always based on a fiduciary responsibility to ensure investments are suitable and in your best interests.

Investing can be a very personal process, not only because there is a significant emotional attachment to money, but because it’s rare to find two people in the same situation. This means that your financial plan will likely have many nuances that others don’t share, but the process for developing it has some common steps:

1. Meet & Greet – the first step is to sit down with one of our advisors so that we can get to know you and your personal financial situation.
2. Gather Information – we collect all relevant financial information from you in order to develop a holistic financial plan.
3. Review Plan – we sit down once more to review what we have put together, answer any of your questions, and make any necessary changes before putting it into action. The plan will be tailored to your needs, so it may be quite simple or complex depending on your situation. At the very least it will involve a contribution schedule, financial goal, and date(s) for review.
4. Implement – plan is put into action.
5. Review & Adjust – we will periodically review your plan to ensure we are on track to meet your goals and accommodate any changes that come along the way.

Visit our Financial Planning page to learn more.

The ability to save is dependent on your income, budget, and stage of life, so the amount can vary widely. For most individuals, 10-30% of your income should be put towards debt reduction, short-term savings, and long-term investing goals.

The answer to this question is entirely dependent on what kind of lifestyle you want to live in retirement, and for how long. A retiree in their 70’s who lives in a mortgage-free home and does little traveling will have very different income needs than a retiree in their 60’s who travels 6 months of the year and has a mortgaged property.

See our Retirement Planning page for more information and resources to help you determine your needs.

Great question! The answer depends on a number of factors such as your income, investment time horizon, and investment goals. That’s why your best bet is to chat with us about your personal situation.

As a Mutual Fund Dealer Association (MFDA) affiliated office, our clients investments are protected by the MFDA’s Investor Protection Fund. This fund covers investment asset losses up to $1 million in each of an investor’s general and separate accounts in the event of insolvency of a member firm. This coverage does not include investment losses due to the changing value of securities, or the default of a securities issuer.

For more information on the MFDA’s Investor Protection Fund, click here.

We operate our office under the confidentiality requirements of the Mutual Fund Dealers Association of Canada (MFDA): “All information received by a Member relating to a client or the business and affairs of a client shall be maintained in confidence by the Member and its Approved Persons and other employees and agents. No such information shall be disclosed to any other person or used for the advantage of the Member or its Approved Persons or other employees or agents without the prior written consent of the client or as required or authorized by legal process or statutory authority or where such information is reasonably necessary to provide a product or service that the client has requested.”

To that end, we use a confidential document shredding service for all written documents and all electronic documents are password-protected.

For more information, see the MFDA Rules.

Just fill out the form on our Contact us page and we’ll get in touch. We offer a free 30-minute consultation so you can see in person why we’re the right choice.