Money Helps is a fee only financial planning and coaching company designed to educate and implement financial plans based on your needs and desires.
Frequently Asked Questions
what is a fee only financial planner?
Fee only financial planners are paid by directly charging their clients only. They receive no commissions from selling investment or insurance products.
can you sell me investments or insurance?
In order to be a fee only planner I have dropped my license to sell insurance and investment products. I can give recommendations to a few people that do sell them but I personally can not sell them.
Can you tell me exactly what to invest in?
My purpose is to provide education and advice on methods and plans for investing, but not to recommend specific investment products. I am happy to go through several good options and tell you the pros and cons of each but I am not securities licensed so I will not be recommending you to buy a specific investment.
what is a CFP?
The most widely recognized financial planning designation in Canada and worldwide, the Certified Financial Planner® designation provides assurance to Canadians that the design of their financial future rests with a professional who will put their clients’ interests ahead of their own.
There are approximately 17,000 CFP professionals across Canada, part of an international network of more than 175,000 CFP professionals in 26 territories around the world.
CFP certification is considered the standard for the financial planning profession worldwide. CFP professionals have demonstrated the knowledge, skills, experience and ethics to examine their clients’ entire financial picture, at the highest level of complexity required of the profession, and work with their clients to build a financial plan so that they can Live Life Confidently™.
To obtain the CFP designation, candidates must complete a rigorous education program, pass a national exam and demonstrate three years of qualifying work experience. To maintain certification, CFP professionals must keep their knowledge and skills current by completing 25 hours of continuing education each year. They must also adhere to the FP Canada Standards Council™ Standards of Professional Responsibility, including a Code of Ethics which mandates that CFP professionals place their clients’ interests first. The Standards Council vigilantly enforces these standards.