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Financial Planning Canada

The benefits of using a financial advisor:

• The challenge of todays market

  As financial markets become more complex and difficult to navigate, making financial decisions can seem daunting. With more than 10,000 mutual funds, dozens of retirement plans, and other investment options, you have more choices than ever before. Your challenge is to cut through the clutter to choose what's best for you.

• The value of seeking advice

  No matter what your goals, time horizon, or tolerance for risk, your financial advisor has the professional expertise and insight necessary to help you map out an investment strategy to meet your financial objectives. As your needs change over time, your advisor will be with you every step of the way, monitoring your investments and guiding you through new opportunities. And in times of volatility and uncertainty in the market, you will get the support you need to maintain your long-term perspective and keep your investment plan on the right track.

Ten Star Financial Inc. is a Mutual Fund Dealer and is contracted with most of the mutual fund companies in Canada. Ten Star Financial Inc. has mutual fund advisors across Canada. Your Ten Star mutual fund advisor will assist you with a financial plan upon your request.

The first step is to establish your personal goals. Perhaps to save for a home, educational funds or retirement. Each will have a different time horizon. Your advisor will make notes for you to review and confirm. You will then complete a risk tolerance questionnaire. Remember, stock markets go down as well as up. In October 1987, the Canadian market went down 25% in one day! The market recovered this decline in just over one year. Investors who stayed invested recovered their losses. They had the high risk tolerance to stay invested. Many people do not have the risk tolerance for this type of decline in value.

Based on your discussions and the results of your risk tolerance questionnaire, you will complete a KYC (Know You Client) questionnaire, which reflects your risk tolerance. Your advisor will put together mutual funds which are suitable to the KYC questionnaire. Your advisor is familiar with all the different types of mutual fund and investment styles of the mutual fund managers. There are over 9,500 mutual funds available in Canada. Your advisor will also be able to explain how to invest tax-efficiently. When saving for retirement, your advisor will explain the retirement risk zone and strategies to protect against this exposure