Fiorre Financial Services
I'm an independent advice-only financial planner specializing in working with Canadian individuals and families to help them reach their financial goals. I don't sell any financial products and I don't earn sales commissions.
More than just a financial planner, I am your trusted partner who will empower you to take control of your financial future.
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What do you love most about your job?
Helping Canadians and recognizing that everyone has a different financial situation, with different means and goals.
What inspired you to start your own business?
After working for over a decade for various financial companies (fee-only planning and wealth manager, a robo advisor, and an asset manager), I wanted to provide financial advice to Canadians with no strings attached.
Why should our clients choose you?
The industry is full of conflicts of interest, where biases are prevalent everywhere. Most advisors earn a living by managing your investments or selling you financial products. There should be more options available to Canadians.
I provide unbiased financial advice for a fee (like a lawyer or an accountant).
This is an exciting opportunity and I believe more and more people will gravitate to wanting their advice delivered this way.
Can you provide your services online or remotely? If so, please add details.
Definitely, most of my business is done this way. My clients find it much more convenient!
What changes have you made to keep your customers safe from Covid-19?
Delivering services online through phone calls and video meetings.
Self Directed Planning
This approach offers a cost-effective solution for those who are comfortable managing their own finances and have the time and willingness to do so.
You will have the tools and resources to create a comprehensive financial plan, including budgeting, saving, investing, and retirement planning.
This is an ideal planning option for someone looking to analyze a specific situation such as saving for a home, a debt payoff strategy, or tracking income versus expenses.
Comprehensive Planning
Plan your financial future together with a dedicated advisor.
Receive personalized guidance and expertise to create a comprehensive financial plan tailored to your unique goals, priorities, and circumstances.
This type of service involves in-depth consultations with me to analyze your financial situation, investment portfolio, risk tolerance, and other relevant factors.
You will receive a written financial plan that outlines specific recommendations for achieving your financial objectives.
Premier Planning
Receive all the benefits of Comprehensive Planning, with enhanced benefits including a Portfolio Audit (standalone service) and a Cash Flow Audit (standalone service).
Tax Return Audit
Discover tax-saving opportunities by identifying deductions, credits, and other tax-efficient strategies to reduce your overall tax liability and increase your refund.
Use planning opportunities for the upcoming tax year to minimize taxes owing and optimize your financial situation.
Identify any potential red flags or discrepancies in the return, so you can make corrections and avoid potential CRA audits or penalties.
Portfolio Audit
Receive an objective, unbiased analysis of your investments and reduce the risk of losing money.
Understand your current holdings and identify potential conflicts of interest or hidden fees that can negatively impact your performance.
Find gaps and opportunities in your diversification, asset allocation, and risk management.
Feel confident again that your investments are aligned with your financial goals and priorities.
Cash Flow Audit
Be able to visualize and uncover exactly where your hard-earned money is going.
Starting with all your income sources, understand the impact of automatic deductions, deductible expenses, and taxes.
Map out and categorize your expenses. This will help to find opportunities to save. Turn bad debt into good debt, lower interest expenses while earning more interest. Get tips for cutting down on your regular bills.
