THE VALUE OF ADVICE
Research has shown that:
''Households that have an advisor have 2.1 times more financial assets than households that don’t¹.''
''Households that have had an advisor for 15 years or more accumulate 290% more in assets (3.9 times more) than households that haven’t².''
''Investors that have an advisor are more confident and more likely to have a comfortable retirement if they’ve received financial advice for at least 10 years³.''
''Advisors can help investors manage their emotions, which can add approximately 1.5% to portfolio returns⁴.''
YOUR SFL ADVISOR,
YOUR ALLY
Your advisor can craft a comprehensive plan with investment and insurance solutions to meet your overall financial needs that match up with your values and priorities.
Your advisor is in your corner. Available and proactive, they regularly review your financial situation so you can maintain the quality of life you want for yourself and your family for years to come.
AN OBJECTIVE VIEW
Your SFL advisor plays an important role in your financial well-being because they can take an objective and comprehensive view of your assets. The solutions they can offer at different stages of your life will represent exactly where you are, what’s vital to you and what you want to pass on to your loved ones.
All advisors operating under our banner are independent. They have access to the full slate of Desjardins Insurance* products and can draw from a broad range of products from other major Canadian insurers and more than 70 mutual fund companies.**
We only partner with advisors who wish to excel at their profession and are registered with the various provincial and national financial regulator bodies. Our teams ensure strict adherence to industry regulations and internal network policies and procedures.
If your financial situation is more complex than the average investor, our advisors are tapped into a network of seasoned financial planners, notaries, lawyers and tax experts who can help you with every aspect of wealth management.
Life is always changing, but you can trust that your advisor will be there for you. They know you and they know what you need. Their job is to help you make informed decisions so you can look to the future with confidence.
Your advisors are always pursuing high-level professional skills training so they can put the latest industry knowledge to work for you and provide quality advisory services that take market trends and your needs into account.
Your advisor is fully equipped to see the big picture and understand it. They provide objective advice to help you create a plan for a future that reflects your goals and your priorities.
1COCKERLINE, Jon, Ph. D. Nouveaux éléments attestant la valeur du conseil financier, IFIC, 2012.
2© 2016, Claude Montmarquette, Nathalie Viennot-Briot, The Gamma Factor and the Value of Financial Advice, https://www.cirano.qc.ca/files/publications/2016s-35.pdf
3IFIC. La valeur des conseils, rapport, 2012.
4VANGUARD. La valeur ajoutée des conseillers financiers, Toronto, 2014. IFIC/POLLARA Inc. La perception des investisseurs canadiens quant aux fonds communs de placement et à l’industrie des fonds communs, Toronto, 2013.
*Desjardins Assurances désigne Desjardins Sécurité financière, compagnie d’assurance vie, manufacturier de produits d’assurance vie et santé, et de retraite.
**Offerts par les représentants en épargne collective rattachés au cabinet de Desjardins Sécurité financière Investissements inc.
MEET AN SFL ADVISOR
Regardless of where you live, one of our SFL advisors will help you achieve your financial goals.
