How to Choose an Independent Investment Advisor Canada


Whether you’re planning for retirement, managing your investment portfolio, or buying and selling securities, an independent investment advisor Canada can help you achieve your financial goals. They work closely with you, providing comprehensive solutions that fit your unique needs. They also focus on understanding your dreams and helping you make them a reality.

Depending on where they’re located, independent advisors can be found in financial institutions (banks, brokerage firms, insurance companies) or through fee-only independent firms like AdvisorSavvy. The latter typically provide access to more resources and offer an array of services, such as tax-efficient investments, alternative assets and retirement services.

Why Choose an Independent Investment Advisor in Canada: Advantages and Considerations

Before choosing an independent investment advisor, you should do your homework. First, check out their firm with FINRA’s free BrokerCheck tool to view their registration status and employment history. Then, look for their investment advisor representatives (or IARs). These are the individuals who are licensed to directly provide advice to clients and may have specialized expertise in areas such as equities or fixed income.

Then, find out what they charge for their services. Unless they’re salaried or working pro-bono, all investment advisors will be paid for their work through fees—usually either flat or hourly fees or a percentage of their client’s assets managed—which can add up to a substantial amount over time. Those fees are called management fees and/or commissions (MERs) and they can be partially or fully tax-deductible depending on the type of account you hold. This is a topic of ongoing debate in Canada, where regulators in Ontario and British Columbia have recently convened a roundtable to discuss banning embedded commissions.

Read More →
Title Loans in Montgomery – What You Need to Know

title loans in Montgomery

Whether you’re in the market for a quick cash fix or want to build up your credit score, title loans in Montgomery are worth a look. But it’s important to understand the risks and responsibilities before applying for this loan type. Find out

In general, you’ll need to provide your name, a valid driver’s license, and the vehicle you wish to borrow against. The lender will inspect the vehicle to determine its value, and you may be able to borrow up to 50% of that value. However, there are many different lenders who offer this service and each may have their own terms and conditions.

The application process is simple and you can complete it online or in-person with a local lender. You’ll need to provide an accurate description of the vehicle as well as proof of ownership, income, and residency. Most lenders will also require a credit check.

If you’re approved for a title loan, the lender will place a lien on your vehicle. This gives them the right to repossess the vehicle if you fail to pay back the amount you borrowed. In addition, most lenders charge a monthly fee to cover administrative costs.

Securing Quick Funds: How Title Loans Work in Huntsville

If you’re searching for a quick loan, Montgomery residents can turn to online title loans or at one of the several store locations in this Alabama city. These loans are designed to get you the money you need as quickly as possible. But be careful, because high interest rates can make these loans hard to pay off.

Read More →
Chiropractic Contracts – What to Look For

chiropractic contracts are legally binding documents that outline compensation, expectations, and more. These contracts can have significant implications for your career success and job satisfaction, so it’s important to thoroughly review them before signing. Here’s what to look for.

1) Role & Patient Acquisition
When reviewing a contract, it’s important to understand how the role you’ll be playing in the clinic will impact your day-to-day responsibilities and career growth. Specifically, it’s critical to evaluate whether the clinic will expect you to contribute to marketing efforts or focus solely on patient care. This distinction can have a significant impact on your salary, job satisfaction, and ability to grow within the clinic.

Navigating Chiropractic Contracts

2) Compensation Structure
In addition to examining your base salary, it’s also important to evaluate bonus structures and other compensation opportunities. In particular, if the clinic offers a discount for extra visits, be sure to understand how the additional visits will be tracked and calculated. Additionally, it’s important to determine whether the clinic will reimburse you for travel expenses related to attending continuing education or other professional development opportunities.

3) Work-Life Balance Considerations
Finally, it’s crucial to evaluate the clinic’s working hours, on-call obligations, and vacation policies. A flexible schedule that respects your personal life and family commitments is essential for a positive work-life balance.

4) Non-Compete Clause
Lastly, it’s important to examine the scope and duration of any non-compete clauses in your contract. Ensure that the geographic area covered by the non-compete is reasonable and aligns with your long-term career goals.…

Read More →
Manage Your Shares on the Move With the Investor Centre App


Easily manage your share portfolio on the move with the free Investor Centre app*. Download it from Apple’s App Store or Google Play and use your Investor Centre username and password to access your information. For new users registering on the Investor Centre app or website, you’ll need to verify your identity using a combination of three security questions and answers that are unique to you. URL investor

The app also uses a colour scheme and key words to ensure you’re not being phished and has 82 security questions so the information cannot be socially engineered or extracted from a social media profile.

Navigating Investment Choices: Unraveling the Variances Between Trading 212 Invest and ISA

To register, you’ll need to have your Shareholder Reference Number, Company name and postcode to hand and agree to Computershare’s terms and conditions. Once registered, you can self-service your shareholding at any time and access a help centre full of useful information. *The Investor Centre app is free to download, however your mobile network provider may charge you for data access on your device. Please check your network provider’s terms and conditions before downloading.

Read More →
Protect Your Assets With a Plant Machinery Tracker

Our plant machinery tracker offers you a comprehensive security solution that not only prevents theft but also increases the chances of theft recovery. We provide both covert options that can be fitted without the operator knowing and more visible devices that act as a deterrent and help to deter criminals in the first place.

Plant equipment and machines can be a real target for thieves, as they are usually kept on site overnight. Many thieves may be opportunistic but more and more ‘professional’ organized crime groups are targeting single items that they can quickly ship out of the country for sale abroad. Plant and machinery tracking systems work as a visual deterrent to thieves and can offer additional features such as remote immobilization via the web app or mobile phone.

Asset Armor: The Essential Guide to Protecting Your Plant Machinery with Trackers

The GPS tracking device can be easily installed onto powered and non-powered equipment and is battery operated so can be hidden from thieves. It comes with a desktop web portal that shows the location of your assets in real-time and has additional alerts such as if the vehicle moves from a pre-set geofence or out of working hours.

The tracking devices can also be used with caravans, farm equipment, skips, and any item that moves infrequently or is left at a standstill for periods. It is a cost-effective system that can be self-installed and provides full fleet management features such as on-site reports, shift reports and a history log for each machine or asset.

Read More →