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"Knowledge is Power!"

"Knowledge is Power!"

The phrase “Knowledge is Power” is often attributed to Thomas Jefferson. However, it can be traced back to 16th century English philosopher and statesman Francis Bacon. For many, continuing our education through attending courses, personal reading, or online training helps us sharpen our skills, learn something new, or perhaps even take a different direction with our career.

At Topline Financial Advisors, we are committed to always learning, whether it be staying up with the latest regulations and industry trends or attending conferences and events designed to further advance our knowledge base to provide you with the best financial service and experience possible.

As financial advisors, we have a legislated annual continuing education requirement. Our team members attend events throughout the year in order to both meet that obligation and to further our knowledge. Some of these events include:

  • Due Diligence Events – full day events held by investment firms and insurance providers reviewing industry best practices, upcoming legislation changes and economic/market information

  • Fund Manager meetings – Meeting with fund managers outlining their views on markets and their respective investment processes. Held both locally and at the Managers offices (i.e. Boston/Toronto) allowing us to see how they manage their investment team

  • Investment Forums – Conferences held over multiple days with multiple fund companies and managers. These events allow us to meet with advisor peers as well as investment firms to discuss best practices and the current investment marketplace

  • Financial Planning Conference/Workshops/Webinars – Focus on financial planning software and solutions. Advances our knowledge in the areas of financial/retirement and estate planning

  • Financial Services Study Groups – we periodically meet with a group of 10-12 peers for two days of meetings to discuss what is happening in our respective offices and best practices to bring value to our clients

In addition, members of the team continue to work towards industry designations such as PFA and CFP. Hopefully this blog helps give you a better understanding of some of the educational events we attend throughout the calendar year. We would welcome discussing more details of how these events help us provide leading edge advice and service to you!

The Retirement Assessment Tool

No matter how you envision your retirement, the best way to make it a reality is to develop a plan and stick to it. We can help.

Use Manulife's NaviPlan tool to learn more.

Learn More

The Major Purchase Assessment Tool

Planning details for your projected major purchases will help estimate the cost and the amount of savings you will need.

Use Manulife's NaviPlan tool to learn more.

Learn More

The Education Assessment Tool

Do your homework. How will you ensure that you or your children can continue to focus on school rather than how to pay for it?

Use Manulife's NaviPlan tool to learn more.

Learn More

Use of these tools does not replace a comprehensive financial plan. There are numerous factors such as government benefits, taxation, life expectancy and lifestyle that will impact the calculator results differently.

Topline Financial Advisors

Welcome to Topline Financial Advisors, we're here to help!

Our firm can be compensated in three different formats depending on the services we provide to you:

  • A fee for service based on a percentage of assets we manage for you
  • A rate schedule for financial planning services
  • In some instances, financial institutions compensate us for implementing client solutions, like life insurance, through their company.

In every situation, we take the time to fully explain exactly how we are paid. We would be happy to discuss with you further.

It is never too early or too late to formulate a plan. You have a better chance of reaching your goals (be they education planning, budgeting, major purchase planning or retirement/estate planning, etc.) by formulating and implementing a strategy.

The answer to this can be different for each individual. Factors such as current and future income sources and levels, marginal income tax rates now and at time of withdrawal, objective/timeframe for use of the investment and other factors, the answer could be RRSP, TFSA or in some cases, both.