Question 1

Why do I need a financial planner?

Accepted Answer

For most clients, there are two big reasons to hire a financial planner. 
First, I have the expertise and experience to see areas of weakness in your finances that require attention.
Second, I collaborate with you and guide you at each stage of Life. A plan written on paper isn’t worth, if it’s not put into action.

Question 2

What is a CLU designation?

Accepted Answer

The Chartered Life Underwriter (CLU®) designation is widely recognized as one of the most respected credentials in the insurance and financial planning industry. Established in 1927 by The American College in Bryn Mawr, Pennsylvania, it has long been pursued by professionals specializing in life insurance, business succession, and estate planning.

In Canada, the CLU® is considered the premier designation for wealth transfer and estate planning. It builds on the foundational knowledge of the CFP® program, offering advanced expertise in complex estate and tax strategies to help clients preserve and transfer their wealth effectively.

Learn more: https://www.investopedia.com/video/play/what-are-cfp-chfc-and-clu/

Question 3

Do I have to pay for a consultation?

Accepted Answer

Our first meeting will take place over the phone or via video call. This is an opportunity for us to get to know each other, explore your financial goals, and determine the level of planning that may be needed. We'll briefly discuss your current financial situation, identify potential opportunities, and decide whether we’re a good fit to work together.

Annual reviews may carry a fee if the assets under management are substantial or if the financial plan involves a high level of complexity.

Question 4

Who is your typical client?

Accepted Answer

Young families, professionals and entrepreneurs and pre-retirees. 
They are serious about saving and working to achieve their financial goals.
They are looking for someone to collaborate with them and help them maximize their fullest financial potential.

Question 5

Do I have to come to your office?

Accepted Answer

I’m always happy to meet with clients in my office, but I also understand that time is incredibly valuable—especially in this stage of life. That’s why we’ve built systems that give you easy access to all the information you need to understand your finances, right from your smartphone, tablet, or computer. With this convenience, we can have meaningful conversations by video or phone without interrupting your routine or requiring a trip to the office.

If you prefer in-person chats, we can mutually decide a place to meet.

Question 6

Do you work anywhere in Ontario?

Accepted Answer

Yes, I’m licensed to provide services in Ontario only. Our systems are designed to make working together simple and convenient—no matter where you are in the province. As long as you have an internet connection, we can connect.

While I primarily serve clients in the GTA, I’m happy to work with individuals outside the area as well. Feel free to schedule a call, and we can discuss how I can best support you.

Question 7

How do you get paid?

Accepted Answer

Our compensation is primarily derived from the assets we manage on your behalf and the financial products used to help you achieve your goals.

There is no fee for creating a comprehensive financial plan. However, an annual fee may apply depending on the complexity of your plan and the level of assets under management.

I’m committed to working with you every step of the way—until your goals are fully realized.

Question 8

I want to be debt free. Can you help me?

Accepted Answer

Yes, debt can be a major obstacle to financial freedom and should be addressed as a priority. The sooner you eliminate debt—including your mortgage—the more flexibility and peace of mind you'll have in your financial life.

Effective debt management is a key component of overall financial planning. I can work with you to create a structured plan and process to help reduce and eventually eliminate debt from your monthly obligations as early as possible.

Question 9

Who is NOT a good fit for Aum Financial Solutions?

Accepted Answer

Anyone who thinks I have a crystal ball to predict movements of the markets will not be well served at Aum Financial Solutions. Investments in client portfolios are utilized as a tool to help clients achieve their financial goals. Investing in the markets should feel more like watching grass grow.

Question 10

I would like to learn more, what is the next step?

Accepted Answer

Schedule an introductory meeting by visiting my contact page. You can also reach me by email.