Full disclosure of fees and commissions
By doing so, part of the cost is tax deductible
Take the whole person (or business) in consideration
Focus on plan ex*****on
To help you go from where you are now to the possible desired situation
Based on:
Needs analysis
Risk analysis and mitigation
Professional management
Evolving as the client progresses
Team work with
Investment management companies
Insurance companies
Professional services
Connector hub for clients
Professional partnerships
Featured on our events
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Who we are?
Over twenty years ago I started managing investments, first as a part-time endeavour. I brought to my investment practice the same thorough approach I used in my career as a Research Engineer. However, as I gained experience, I realized that the knowledge and analytical approach was not enough. There was a missing piece to the long term investment returns puzzle. After teaching and coaching hundreds of students how to extract maximum growth from investments, I learned that the most important factor that ultimately drives the performance is investor's behaviour.
Ektos Financial was built around this epiphany. My focus is on you, my client. My focus is to help you understand the possible outcomes of the different options available to you, inspiring you to think beyond where you are now. Helping you move into action and supporting you along the way.
Oh, yes! Almost forgot to talk about me.
I have over twenty years of experience in investment strategies, planning and management. I hold an MBA from FGV (Rio de Janeiro, Brazil) and a PhD from Case Western Reserve University (Cleveland, OH, USA). I am a licensed Investment Broker with the MFDA (Mutual Funds Dealer Association) in BC, AB and ON. I am also an Insurance Broker currently licensed in BC and AB.
Ektos Financial is the trade name I use. It is registered with the Insurance Council of BC and the Mutual Funds Dealers Association.
Why I used "we" above?
Well, I am not alone.
I count on the valuable support from my friends and mentors at Customplan.
To put it simply, we don't just have a Mission and a Vision. We have Purpose and Passion!
That's why we chose the Greek word Ektos. It means "to go beyond", reach new objectives, be ahead, look forward. Our goal is to inspire you to Think Beyond ďż˝. We will help you to move into action and support you along the way.
Business Structure – Why independent
Recently the Financial Consumer Agency of Canada released a Report about Canadian Bank Financial Advising practices. The News Release title reads "Retail banking sales culture may raise risks for consumers".
The report identifies key findings:
Retail banking culture is predominantly focused on selling products and services, increasing the risk that consumers’ interests are not always given the appropriate priority.
Banks’ financial and non-financial incentives, sales targets and scorecards may increase the risk of mis-selling and breaches of market conduct obligations.
Certain products, business practices and distribution channels present a higher sales practices risk.
Governance frameworks do not manage sales practices risk effectively.
Controls to mitigate the risks associated with sales practices are underdeveloped.
After the report was released CBC did an investigation, which was published on its Go Public section.
By being independent, we are not restricted to the services provided by a single institution. We do not have sales targets. Our obligation is to keep focused on the clients' best interest. During our meetings we can focus on understanding our clients’ needs and bring the best solution for their future financial security.
Through our affiliation with the PEAK Financial Group we offer our clients access to more than 3,000 mutual funds and a whole host of managed products. Since PEAK do not manufacture and promote in-house funds, we have the freedom to recommend products that perfectly meet our clients' financial needs and expectations without pressure. All mutual funds approved for sale in Canada and which have been carefully analyzed and approved by our PEAK Group Compliance Department are available.
The extensive list of PEAK Group financial products is completed by investment contracts, guaranteed investment certificates. All the support from PEAK help us focus on the financial wellbeing or our clients.
As an Independent adviser, we provide independent advice and we are able to consider and recommend all types of retail investment products that could meet your needs and objectives. We can also consider products from all firms across the market, and give unbiased and unrestricted advice.
Another huge advantage for our clients is to know exactly how much is being paid in fees and commissions – everything is disclosed.
You, our client, can rest assured that our services have a foundation in honesty, integrity and high ethical standards. Highly qualified professionals stand by your side as a trustworthy source of information.
