I am an Independent Financial Adviser with Candor Financial Group with previous experience in personal wealth management and tailored investment portfolios. I specialize in creating a personal relationship with each of my clients to make sure that no financial concerns go left unaddressed.
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2 customer reviews
Patrick Ramsahoye
Lawrence has been great about explaining what our options are. Most importantly, he addresses our concerns, applies them to the plan where he can, or explains what options are best if he cannot do exactly what we want.
Eva
Lawrence gave us great advice and helped us make some important financial decisions on our mortgage and investments. With so much uncertainty with the mortgage rates and the economy, he shared information on rates and various solutions and strategies, which helped us feel empowered to make a good decision for our specific situation. He has also helped us with RRSP investments and we always walk away feeling more informed and better equipped to handle current and future financial decisions! More...
What do you love most about your job?
Explaining the intricacies of the financial system is something that I truly enjoy as there is a lot of information that people simply don't have the time to understand and because of this miss out on setting themselves up for a secure financial future. I enjoy my job as it allows me to bring a bit less stress to peoples lives and teach without an alternative motive.
What inspired you to start your own business?
Being self employed I find myself able to be more available for my clients and more able to provide the very best service that I can supply. My goal is to provide the most transparent and available service that I can. This means that my hours are 24/7 and no matter the advice needed I will always be able to provide it.
Can you provide your services online or remotely? If so, please add details.
Yes all services can be provided online via Microsoft Teams and all documents can be securely signed via Docusign.
Investment Advice
I work exclusively with mutual funds and since I am an independent advisor I have to ability to work with over 20 different investment firms and banks to find not only the best performing funds but the funds that can provide returns with lower risk. If you are with a bank you do not get this option and are restricted to just their funds which hampers your returns as each firm/bank has a different specialty. My portfolio's are built to reduce investment bias and increase diversification to stay the course long term.
Home purchase
Through my time with TD I have an inside knowledge as to how banks look at a potential borrower and what is needed to get the most favorable terms and interest rates. Mortgages are a long-term commitments that if improperly entered into can cause uncertainty and stress and potentially can cost a lot of money to change if you entered into a mortgage with unfavorable terms. I will be able to explain the process and help guide you so that you feel comfortable and happy with your decision.
Retirement Planning
Depending on what stage of life you are in I can provide clarity as to what you need or don't need as you progress to your retirement. I will help you understand how RRSP's and TFSA's can aid your retirement immensely if used properly and in what order you should start using your savings upon retirement.
