Radiant Private Wealth

services

Fee-Only Financial Planning

理財策劃服務

Fee-only financial planning means our professional Financial Planner works directly for you to determine your goals and develop a plan to achieve them. You only pay for the financial planning advice and ongoing review without implementation. In regards to your investment portfolio, you can leave it where it is and do not need to transfer your investment assets over. This means you can maintain your existing relationships with your banker and investment advisor.

We offer a complementary initial consultation to give you the opportunity to meet us.

理財策劃服務,我們具備認證資格的個人理財策劃顧問專門為客戶做理財規劃和投資檢視。這表示我們真的是客觀的為您的利益,收費只針對理財策劃,和專業的金融理財建議。您既有的投資組合,不一定需要轉過來瑞光。也就是說,還是可以繼續留在原來的地方,保持和銀行或証卷投資公司的關係。

為幫助您瞭解此項服務的内容,我們第一次的咨詢會議是免費的。

Depends on complexity, we have three packages:

依照客人的情況,複雜程度,我們有三個收費方案:

BASIC PACKAGE

$1495

A comprehensive analysis, review and planning on one area such as cash-flow planning, investment planning, retirement planning, insurance planning or estate planning.

一般檢視規劃。大部分的客人用這個方案是希望能做退休計劃試算,以及對現有的投資組合做一個檢視。

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STANDARD PACKAGE

$2495

A comprehensive, integrated financial plan suitable for most individuals or families. The package includes cash-flow planning, insurance planning, investment planning, retirement planning, tax planning, and estate planning.

這是一個全方位理財規劃,包含五大項:投資規劃,退休規劃,預算規劃,保險規劃,遺產規劃。適合大部分加拿大家庭。

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DELUXE PACKAGE

$3995 and up

A comprehensive, integrated financial plan suitable for business owners and their families. The package includes services in the standard package as well as compensation planning, contingency planning, shareholder agreement funding and business succession planning.

比較高階的資產規劃,比方説客戶本身也是擁有公司的企業主,或名下的資產比較複雜多樣,需要比較多的規劃時間和研究策略。

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Alternatively, if it is determined in the initial consultation that these packages would not meet your specific needs, we wll provide a customized package that will fit your unique situation.

如果您覺得這三個方案都不適合,沒關係,我們可以一起擬定一個特別爲您量身定做的理財服務和收費方法。請和我們聯絡。

Wealth Management

私人理財

Radiant Private Wealth’s goals are to Protect, Grow, and Transfer clients’ wealth. We don’t sell fancy but risky products.

To stay true to our value “Put Clients’ Interest First”, we do not sell Deferred Service Charge (DSC) series funds. Clients in DSC series are tied up for 7 years or face penalty when making early redemption. We are proud to say our clients have complete freedom to reposition or transfer their portfolio.

We are ahead of the industry standard. For eliminating imbedded commission, we manage our clients’ portfolio using low MER series funds, and clients pay management fees directly to advisor. That way, not only our clients enjoy overall lower fees, but they only pay for the value they actually received, which is our advisors’ professionalism and performance.

瑞光私人理財的使命在幫助客人的財富“保值”,“增長”,和“傳承”。因此,我們絕不賣任何花俏和高風險產品。

為實踐”以客戶的利益優先“的理念,我們完全不賣Deferred Service Charge (DSC)有遞延收費的互惠基金。坊間遞延收費的互惠基金,客戶如果7年之内賣出贖回,會有部分罰款。我們很自豪我們的客戶有完全的自由。 即使選擇離開或關戶,也不會因爲另外收費,造成不快。

我們追求比同業界更高的標準,使用的投資基金不用“内含佣金系列”的產品。不像大部分的投資產品把給理財顧問的佣金,包在基金每年的管理費MER内,嚴重欠缺透明度,客戶每年多付了很多的隱形費用。 我們用“純成本費系列的基金“,不含佣金。然後我們爲客戶管理投資產品的的管理費,是直接跟客戶收。不但客人節省了很多的費用,投資表現更好,客人能夠感受到讓我們爲您理財的專業服務品質和創造的價值,提高滿意度。

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