First Step to a Better Way

The Canadian employer benefits landscape is controlled by a few institutions, which is what most people know.


May companies work directly with carriers through their contracted advisors or rely on group benefit consultants who usually provide comparisons between traditional carriers.


Our goal is to start a conversation by helping HR professionals enhance the value group benefits provide, either through traditional carriers OR alternative options being offered in an evolving marketplace.

There's only so much that can be said by sending messages and going through a website.  Let's talk for 15-30 minutes to see if you can benefit from independent advice.

Let's Talk

Top 5 Reasons Why Businesses Choose Us

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  • Tired of dealing with call centres and a revolving door of new advisors

    Unfortunately, many people have an ingrained tolerance for dealing with financial problems by calling a company's call centre. Others simply interact with a new advisor assigned after the previous one has left. We believe relationships, continuity, and trust should exist in the advice clients receive.  Learn more about how we can help.

  • Strategic relationships designed for employee wellness

    Employee wellness has evolved over the years while the advice model has remained somewhat static.  Certain benefit consultants may have limited relationships with a few traditional insurance carriers and simply quote amongst them.  As an independent advisor, we understand the old carrier structure for workplace benefits, while providing new solutions that may be a better fit.  Let us help enhance your workplace.

  • They want a better understanding of their financial options

    We take pride in being able provide clear and understandable advice. It can be difficult to determine if you are making the right financial decisions based on information from the media, internet sources, advertisements and professionals. Before you make any important financial decisions, have someone who is qualified to guide you through the options and compare them.

  • To find efficiencies and opportunities

    Many organizations establish basic plans, set-it, and forget it.  Over time this can become a costly mistake by having under-utilized benefits unless your consultant provides proactive feedback.  Optimizing a plan to meet the needs of your employees is important since there are many ways to invest in wellness.  Let’s talk options.

  • Do not spend twice on professional advice

    As a financial professional, it is disheartening to meet clients who have paid money for courses, independent reviews or other services, but never received a tangible financial product.  As a full-service advisory practice, we promise to provide financial advice and solutions. Our fiduciary responsibility is to help clients make the best financial decisions for their futures.

WHY MODERN VISION PLANNING IS YOUR BEST FINANCIAL OPTION


  • We are proud to be one of the few independent full service financial practices in the industry. 
  • Our detailed feedback focuses on tax efficiency, cash flow, and ideas to maximize investment returns.
  • Licensed for most investment, insurance, and mortgage products, we can recommend detailed solutions that are strategically used within your financial plan.   
  • With multiple financial accreditations, be confident in the professional advice you receive.
  • Financial planning for personal and business needs, we ensure clients are provided answers in a way they can understand.
  • Clients receive access to some of the tools used by industry professionals.


WHAT IS AN INDEPENDENT FINANCIAL PLANNER


  • An accredited financial professional recognized and certified by FP Canada™ as a Certified Financial Planner (CFP®).
  • Not employed or contracted by a large bank or insurance carrier.
  • Can provide financial products from MANY financial institutions as a contracted agent through their relationship with distributors (dealers and brokerages).
  • Upholds the highest level of fiduciary duty to clients by critically comparing financial options available in the financial industry.


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Transparency

Experience

Knowledge

Qualified

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WHY SHOULD YOU CONSIDER USING AN INDEPENDENT?


  • You want to feel confident that your advisor is impartial and will give you the best advice possible.
  • Are you tired of dealing with customer service representatives and a rotating door of advisors assigned directly to your account?
  • Financial knowledge and needs have grown beyond the scope of traditional advisors.
  • You should look for a practice capable of handling all your financial needs.
  • Are you interested in building a personal team of professional advisors that are dedicated to improving your financial interests?
  • Comparisons are based on facts supported by financial projections, research, and product analysis. We won't "sell" you a particular brand. 

HOW CLIENTS CAN BENEFIT FROM INDEPENDENT ADVICE


  • Information and feedback from an independent source can provide reassurance to your most important financial decisions.
  • Solutions are designed with the client in mind from BOTH a financial planning AND product perspective.
  • Product provider/carrier comparisons available, includes all major financial institutions and other top companies in the financial sector.
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 Brands You Trust

We provide products from all major investment and insurance companies; giving clients more options as we work together to make the best choice.

No Additional Costs

In most cases, we cost the same if not less than what is being paid elsewhere.  Most people don't even know how much they are paying. 

Let us explain.

Expertise

As financial experts , holding multiple professional credentials and with years of experience, you can trust we are asking the right questions to best guide your decisions.   

Remember to provide investment statements for a complimentary risk report

Your report will provide a summary breakdown of your current investment holdings from a bank or many other financial institutions.

Learn More About Us

RRSPs and investments play a large part in the lives of all Canadians, but it's only one part of the financial puzzle everyone is trying to solve.  Modern Vision Planning is focused in providing unbiased recommendations to people who can appreciate how independent advice can truly make a difference.

Learn More

info@modernvisionplanning.com