untitled.png

Becoming a Client

What it looks like from our initial conversation to opening an account.

1. Consultation Meeting

This is a chance for us to get to know you and for you to get to know us. We never charge for initial consultations.

3. Sign-up Meeting

Clients are never locked in and we will almost always cover transfer costs from your current investment firms. 

2. Proposal Meeting

Here, we review what we’ve learned and demonstrate the ways in which you’ll be assisted in working with us.

4. Review Meeting(s)

Even once our clients are on track, we like to review how things are progressing with them and update the plan accordingly.


untitled.png

Safe-Keeping Your Assets

At Collings Financial, all of your assets are held with our Investment dealer Manulife Securities Incorporated who is the custodian of your money. Any money deposited or transferred are made to and from Manulife Securities. This structure protects your assets providing all your personal investment accounts with a safe home. 

Manulife Securities has $38 billion* in assets under administration and is a wholly-owned subsidiary of Manulife Financial – a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Manulife Securities advisors are financial professionals that can offer an array of solutions to help meet your individual needs.

 

Manulife Securities Incorporated

Manulife Securities Incorporated is one of Canada’s foremost independent investment dealers. Manulife Securities’ firm commitment to service excellence coupled with an expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs. Manulife Securities Incorporated is a member of the Investment Industry Regulatory Organization of Canada (formerly the Investment Dealers Association of Canada). Products and services include: Stocks, Bonds, Mutual funds, Fee-based programs, GICs, RRSPs, RRIFs, and LIFs.

 
Manulife_e_rgb_Securities_stacked_256x178.png
 

untitled.png

Reporting

Personal Planning Cycle

JANUARY

  • RESP (Registered Education Savings Plans)

  • CESG (Canadian Education Savings Grants)

  • TFSA (Tax-Free Accounts)

  • RDSP (Registered Disability Savings Plans)

  • Quarterly investment statements

FEBRUARY

  • RRSP (Registered Retirement Savings Plans) Contribution Deadline

  • Corporate Dividend (T5) Deadline

APRIL

  • Individual tax filing deadline (April 30)

 

MAY

  • Property Tax Deferment considerations (learn more)

  • Quarterly investment statements

JUNE

AUGUST

  • BCTESG (British Columbia Training and Education Savings Grants)

 

SEPTEMBER

  • Fall Reviews and Rebalancing

  • Account conversions

  • Canada Pension Plan & Old Age Security considerations

  • Quarterly investment statements

NOVEMBER

  • Charitable donations

  • Minimum account withdrawals

DECEMBER

  • Tax loss/gain harvesting


chart-small.png

Investment Management

Why should you invest with us? 

A good financial advisor looks out for your best interests so you can achieve your financial goals. As an independent financial advisor, we are not sponsored by any third parties, so you can have peace of mind knowing that your financial goals are our priority. As a Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) with nearly two decades of industry experience,  Ian Collings is qualified to help execute an academic investment strategy for you. 

The strategies cover all of your traditional investments:  RRSPs, TFSAs, RESPs, LIRAs, RRIFs, DPSP, Joint, Corporate, Trust accounts and more.  If you're wondering if these account types relate to your situation or should be part of your investment holdings we're here to answer those questions too. 

Learn Why You Can Trust Collings Financial

You want a financial advisor you can trust. See our about page to learn why you can have peace of mind with Collings Financial. 

 

What does it look like to invest with us? 

The process begins with us understanding you, your situation and where you want to be financially. See Becoming a Client to learn more about onboarding with Collings Financial. 

We will house all of your investments with our dealer Manulife Securities Incorporated so you'll have the backing of one of Canada's most established institutions.  Manulife Securities supports and encourages an independent advisory model so your portfolio recommendations will include exchange traded funds and products from some of the largest asset management firms in the world.

OUR INVESTMENT APPROACH

In short, we believe in a disciplined approach to investing that looks at the long term. We don't try to outguess the market, but let the markets work for us. Download the pdf below to learn about our approach to investments.


dollar.png

How Much Will it Cost?

We provide fee-based advisory services and charge based on assets under management (AUM). We provide completely independent, unbiased financial advice that is not tied to any commission-based products, or other form of compensation, where there may be potential for conflict of interest. 

ONGOING INVESTMENT MANAGEMENT FEE SCHEDULE

The following is a fee schedule for our ongoing investment management and financial planning services.  

Transfer fees from your current bank, credit union, mutual fund company or insurance firm can be reimbursed. 

Minimum Investment: $250,000

The above fees are those under the Manulife Securities Advisor Managed Program.

Total Investments Investments Savings (GIC's)
First $249,999 1.40 0.25
Next $250,000 1.20 0.25
Next $500,000 0.85 0.25
Next $1,500,000 0.50 0.20
Next $2,500,000 0.45 0.15
 

Project-based Financial Planning Fees

Goal-based financial planning services range from $1,000 to $5,000 depending on project complexity. 

 

Learn how you can get the most out of your money

Book a free consultation with Ian today.