Insurance Planning

Have questions about your current insurance? Want to find out if you have the right coverage in place? Contact us today!

Insurance & Risk Planning

Get peace of mind by having a professional in your corner who understands and stays on top of the nuances of insurance and risk.

Proper Risk Assessment

We complete a thorough assessment of each individual clients’ needs. Risk Management is ensuring you can still accomplish your goals should you become disabled or critcally ill, and ensuring your family is protected should you pass away. Rarely do we ever see a client with the proper insurance planning in place. They are either underinsured, overinsured or have the wrong type of coverage in force. Through our assessment we can determine what a client actually needs based on what’s important to them, and offer an unbiased solution.

Education

Once we complete a proper assessment of a clients’ needs it’s important that they understand the options available to them and how different types of insurance work. Life Insurance, Disability, Critical Illness and Long Term Care Insurance can be complication but with proper education clients can be confident that our recommendations are in their best interest. They can sleep soundly with the confidence that they are protected should anything happen to them or their family.

Frequently Asked Questions

CREATING COHESION, EFFICIENCY AND SIMPLICITY BETWEEN ALL THE DISPARATE PARTS OF YOUR FINANCIAL LIFE.
Most financial planning & investment firms are owned by the investment companies that they represent. Under that structure a client will always receive biased advice. Up Financial is an independent wealth management firm with no bias towards any one particular company meaning that we can always act in the best interest of clients and maintain a fiduciary standard of care.

Our advisors have different designations which can be seen in our bios in the “about section”. At minimum your Financial Planning is always completed by a Certified Financial Planner and Investment advice is always completed by a Chartered Investment Manager. Nathan and Eli are both Fellows of the Canadian Securities Institute and Eli holds a number of additional advanced designations that apply to complex financial planning situations. We believe in ongoing education and all of our advisors are currently completing additional designations, furthering the value we can provide clients.

Our advisors have different designations which can be seen in our bios in the “about section”. At minimum your Financial Planning is always completed by a Certified Financial Planner and Investment advice is always completed by a Chartered Investment Manager. Nathan and Eli are both Fellows of the Canadian Securities Institute and Eli holds a number of additional advanced designations that apply to complex financial planning situations. We believe in ongoing education and all of our advisors are currently completing additional designations, furthering the value we can provide clients.

We are compensated on a fee-based structure. Whereas most of the industry uses a commission-based structure where advisors are paid based on product sales, we’re compensated independent of sales which means that our interest are aligned. There are no hidden conflicts of interest to promote one product or strategy over another, or one investment over another.
We work with a range of clients from Business Owners, Successful Professions to Retirees. Our average client has been $500k to $2M in assets with us but we have lots of clients in excess of $5M and a number (especially as we work with our clients children) with less than $100k. We have different platforms available for those who don’t qualify for High Net Worth pricing for certain investment structures. Our philosophy is that everyone deserves quality financial advice and that you should not be restricted just because you “don’t have enough money”.
This will depend on the client and we leave it up to you to speak to one of our advisors to determine a structure that works for you. In the beginning of a relationship we will be speaking weekly for the first 3-6 months until the initial structuring is complete. After that many people move to quarterly reviews or annual reviews. It’s important that we can communicate at least yearly. All clients receive monthly market updates and have access to their accounts online daily.
As a firm we do not believe in asset minimums. We made the decision as a firm that everyone should have access to quality financial advice regardless of their net worth. What we did was establish additional platforms that allow us to take on smaller clients on a cost-effective basis for the client. Certain investment structures have minimums which are not set by us. We utilize robo platforms with low-cost ETF portfolios until your portfolio reaches a size where we can get you access to our regular portfolios. The easiest thing to do is give us a call or send us an email and we can outline the best options based on your individual situation.

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