An independent second opinion on your financial plan, your portfolio and the professionals who manage them. No products, no commissions, no referral fees.
Prefer to talk first? Call 647-772-9527
Reviewed by Elizabeth J. Hermant, founder. More than 20 years inside Canadian wealth management, including BMO Nesbitt Burns and RBC Dominion Securities, and eight years assessing advisory practices nationally.
The industry does not make it easy, and the decision often arrives at the hardest moments of life.
Investment Advisor, Financial Advisor, Portfolio Manager, Wealth Advisor, Financial Planner: what is the difference? Being licensed to sell investments is not the same as being trained or certified to build a financial plan.
We check what your advisor is actually registered and qualified to do.
Advisors are paid by salary, by commission or as a percentage of the assets they manage, and embedded fund fees (MERs) can add more. How do you know what you are paying in total?
We add it up, and explain it.
Retirement, inheritance, divorce, a career change or the loss of a spouse bring the highest stakes when you have the least energy to research who is best suited to support you.
We do the research, and stay beside you.
Many advisors manage only the investments and leave you to coordinate between your financial planner, accountant and lawyer.
We get them working as one team.
We work alongside your professionals, never in place of them. Because we have nothing to sell, our only interest is whether your plan, portfolio and professional team are genuinely serving you.
We help you find, vet and coordinate the professionals your wealth relies on, so they work together with your interests and goals at the forefront.
We never accept referral fees from anyone we introduce, so every recommendation is made in your interest alone.
Already working with an advisor? Our Clarity Review looks at your plan, your portfolio, your advisor and the wider team around you, and gives you a clear, honest answer about whether you are on the right track.
The Clarity ReviewGoing through a change? We vet and introduce the right wealth and financial professionals, attend the meetings with you, and stay involved to make sure they deliver on what they promise.
Guided Transition and Ongoing PartnershipElizabeth has spent more than 20 years in Canadian wealth management: running the operations of a top-tier advisory team, designing client service models, building a private wealth business and assessing investment advisory practices across Canada. Spring Vale brings that insider experience to your side of the conversation.
Question 2 of 5 in our Wealth Advisor Interview Guide
Expect a clear, transparent explanation. “Free” advice usually means fees embedded in the funds you hold.
See all five questionsIf the answer is vague, that is your answer.
Every engagement starts with a complimentary introductory meeting. We talk about where you are today, what you want for the future, and whether a Clarity Review is the right first step.
Book an introductory meeting