Planning that starts with listening.
We bring knowledge and clarity. You direct the money.
A meeting that opens with something to buy.
Much of this industry starts from the shelf. The conversation is about one account or one policy, and the rest of your life is left out of the room.
A meeting that opens with your total picture.
Taxes, banking and family are looked at together. You learn where your money goes and what your choices are. What to do next is your decision, made with clear numbers.
Five steps, taken in order.
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Before anything
Trust
People work with people they like and trust. So the relationship comes before any business, and nobody is asked for anything early.
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Twenty minutes
Listening
The first conversation is short and informal. We ask about your goals and how you manage today. We listen, and we recommend nothing.
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Know your numbers
Clarity
Planning means knowing your numbers. We start with where the money goes and what tax takes, because a small real saving matters more than a big promise.
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A conscious choice
Strategy
A default is what happens when nobody looks at the alternatives. A strategy is a choice made on purpose, once the numbers are clear.
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Licensed work
The conductor
When you are ready, a licensed senior advisor does the technical work and puts the plan in place. The relationship continues after that day.
A guide to walk with you. A conductor to drive.
Someone who knows the way to the station.
Your guide does not design your journey, because the journey is yours. The guide listens, helps you get ready and introduces you to the right people.
Someone trained to drive the train.
The conductor is a licensed, experienced advisor. They handle the technical work, and they answer the questions a guide should not.
IFM is the station: the team, the training and the process that both of them work from.
The first conversation is for listening.
@ifm_canada Instagram, or in person 3800 Cessna DriveRichmond, British Columbia