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How to Choose a Financial Advisor

A financial advisor can help you achieve goals like saving for retirement or sending your kids to private university. Depending on your situation and needs, you might want an advisor with specialized knowledge in debt management or investments, for example. The first step is identifying what you want your financial partner to do for you, which can help narrow your search. Financial advisors have different areas of expertise and varying levels of certification, so make sure they match your needs.

Exponent Investment Management will start by getting an accurate picture of your current finances, which may involve a consultation session or questionnaire. This will include a list of your assets and liabilities, financial obligations and investment accounts, including RRSPs, TFSAs, workplace pensions and other registered savings plans. It will also touch on your risk tolerance, your estate planning details and other relevant present and future financial issues.

Toronto’s Financial Experts: How to Choose the Right Advisor

After gathering this information, your financial advisor will create a comprehensive plan that outlines the steps you need to take to reach your goals. This plan will be based on the advisor’s investment philosophy and your specific needs, such as how soon you need the money or your investing horizon. The financial plan will also lay out other financial issues you need to consider, such as tax planning and your insurance coverage needs.

Lastly, it’s important to check whether an advisor is licensed by your provincial financial regulator. You can do this online by visiting the Canadian Securities Administrators’ or CIRO’s websites. It’s also worth asking the advisor if they have any complaints against them or have been disciplined.

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