Meet Blue Spruce Financial Planning.
Meet Blue Spruce Financial.
Our Certified Financial Planners (CFP®) and Chartered Life Underwriters (CLU®) have been in the financial services industry since 2008, with experience in owning and operating an insurance and investment products agency, life insurance sales to support business owners and corporations, and group benefits providers for extended health and retirement planning services to businesses and their employees.
Blue Spruce Financial Planning was created to address the lack of available and reliable financial planning services available to individuals, families, and business owners who don’t have enough investable assets to earn the time and attention of the major financial institutions in Canada. Everyone should be able to seek the help of a financial planning professional whenever and however often they need to without worrying about a financial and insurance products sales pitch. Our mission is to make that possible.
The Benefits of Advice-Only Financial Planners.
Getting What You Pay For
Advice-only planners are paid for completing financial plans for clients to address whatever specific issues that client has. A true advice-only planner does not sell any investment or insurance products and does not earn any commissions, trailer fees, or referral fees.
No Bias
Because advice-only planners are paid only for the advice they provide, there is no underlying bias in that advice. No recommendation results in any greater revenue earned by the planner than any other recommendation.
No Conflict of Interest
Because advice-only planners don’t sell investment or insurance products, no recommendation made by the planner has been swayed by the availability of their product shelf. An advice-only planner is not restricted by or beholden to a financial company they represent.
Fiduciary Responsibility
Fiduciary financial planners have a duty to act in the best interests of their clients in all matters to do with the services provided and put the client’s interests above their own.