This is strictly a “get to know each other” environment. We do not want to know what you have, where you have it or the values. We are simply mutually interviewing each other to determine if we are the right fit for your needs.

No, we are happy to work with anyone who can benefit from our services and is engaged in working towards a better financial future.

Our only expectation is you remain engaged with us.

Yes, we're happy to meet in person at an external location, via video meeting or telephone call as an alternative.

After a thorough conversation to understand your goals and objectives we can look at any segregated funds, mutual funds, GICs and cash investments available within Canada to align with meeting your needs. We also have securities partners should that be the appropriate route.

No! You will never be locked into a product, service or using us as your advisor.

This structure unbundles your MER (management expense ratio) and creates three important benefits for clients.

• It creates transparency of fees. You will know who you pay and how much.
• It is a slightly cheaper structure in the way CRA taxes the MER.
• It provides tax deductibility of some fees for Non-Registered Investments.

Depending on the services provided the compensation structure would change, however it is important to note that we do not charge by time spent working with you or on your file.

• Mutual Funds
  • Commission received from our mutual fund dealer is based on a management fee determined as a percentage of the total investment assets under management. We are not compensated based on transactions, nor do we generate commissions on the sale of investment funds.
  • Where possible, we use a fee for service model.

• Segregated Funds
  • Commission received by our segregated fund provider is based on a management fee determined as a percentage of the total investment assets under management. We are not compensated based on transactions, nor do we generate commissions on the sale of investment funds.
  • Where possible, we use a fee for service model.

• GICs
  • The commission received by our GIC providers are based on an upfront calculated percentage of the total GIC asset. No trailing commission or fees are received.

• Insurance
  • Commission is paid by the insurance company who issued the insured product to you. The amount is based on the value of the insurance policy and the overall volume of business we generate with that insurance company. A sales commission may be payable at the time of sale and/or by receiving a renewal or service commission if your keep that policy in force.

• Financial Planning
  • We may be compensated by directly invoicing the client for financial planning services, based on an hourly rate or a flat rate fee depending on the agreement made on a case by case basis. This charge is waived for clients with existing insurance or investment products held with us.

Yes, we can provide a quote based on the work and complexity that may be involved in your planning.

Your information is held securely and encrypted at Statera Financial Planners, only used for the purposes of our engagement. Only necessary information is shared to the fund companies and insurance carriers you hold products with for the purposes of your account management. Otherwise, your information is provided externally only by matters of law requirement, or to other professionals you have authorized.

We have a network of professionals we engage with regularly (lawyers, accountants, mortgage brokers etc.) to help you if you need their services. We neither accept nor give referral fees.  We also love connecting and working in collaboration with your other existing professionals to ensure everyone is on the same page for your best interest.

No, as your financial planner is an active professional you are working with, this would result in a conflict of interest and they cannot represent you in these areas. The only exception is if you are a direct relative to this individual.