What to Expect
Becoming a Client
What it looks like from our initial conversation to opening an account.
1. Consultation Meeting
This is a chance for us to get to know you and for you to get to know us. We never charge for initial consultations.
3. Sign-up Meeting
Clients are never locked in and we will almost always cover transfer costs from your current investment firms.
2. Proposal Meeting
Here, we review what we’ve learned and demonstrate the ways in which you’ll be assisted in working with us.
4. Review Meeting(s)
Even once our clients are on track, we like to review how things are progressing with them and update the plan accordingly.
Safe-Keeping Your Assets
Ian Collings is a registered representative with Manulife Wealth who works with more than 1,000 advisors across Canada. As part of one of Canada’s largest financial services firms, it’s well-positioned to be a leading provider of choice to Canadians seeking financial advice and holistic wealth planning. Today, one in four Canadians uses a Manulife solution.
Manulife Wealth uses Fidelity Clearing Canada ULC’s (FCC) leading advisor technology and back-office operations platform. FCC provides Canadian registered brokerage firms and portfolio managers with trade execution, clearing, custody and back-office support.
Manulife wealth
Manulife Wealth is one of Canada’s foremost independent investment dealers. Manulife Wealth’s firm commitment to service excellence coupled with an expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs. Manulife Wealth is a member of the Investment Industry Regulatory Organization of Canada (formerly the Investment Dealers Association of Canada). Products and services include: Stocks, Bonds, Mutual funds, Fee-based programs, GICs, RRSPs, RRIFs, and LIFs.
Reporting
Personal Planning Cycle
JANUARY
RESP (Registered Education Savings Plans)
CESG (Canadian Education Savings Grants)
TFSA (Tax-Free Accounts)
RDSP (Registered Disability Savings Plans)
Quarterly investment statements
FEBRUARY
RRSP (Registered Retirement Savings Plans) Contribution Deadline
Corporate Dividend (T5) Deadline
APRIL
Individual tax filing deadline (April 30)
MAY
Property Tax Deferment considerations (learn more)
Quarterly investment statements
JUNE
Fraser Institute Tax Freedom Day (learn more)
AUGUST
BCTESG (British Columbia Training and Education Savings Grants)
SEPTEMBER
Fall Reviews and Rebalancing
Account conversions
Canada Pension Plan & Old Age Security considerations
Quarterly investment statements
NOVEMBER
Charitable donations
Minimum account withdrawals
DECEMBER
Tax loss/gain harvesting
Investment Management
Why should you invest with us?
A good financial advisor looks out for your best interests so you can achieve your financial goals. As an independent financial advisor, we are not sponsored by any third parties, so you can have peace of mind knowing that your financial goals are our priority. As a Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP) with nearly two decades of industry experience, Ian Collings is qualified to help execute an academic investment strategy for you.
The strategies cover all of your traditional investments: RRSPs, TFSAs, RESPs, LIRAs, RRIFs, DPSP, Joint, Corporate, Trust accounts and more. If you're wondering if these account types relate to your situation or should be part of your investment holdings we're here to answer those questions too.
Learn Why You Can Trust Collings Financial
You want a financial advisor you can trust. See our about page to learn why you can have peace of mind with Collings Financial.
What does it look like to invest with us?
The process begins with us understanding you, your situation and where you want to be financially. See Becoming a Client to learn more about onboarding with Collings Financial.
We will house all of your investments with our dealer Manulife Wealth so you'll have the backing of one of Canada's most established institutions. Manulife Wealth supports and encourages an independent advisory model so your portfolio recommendations will include exchange traded funds and products from some of the largest asset management firms in the world.
OUR INVESTMENT APPROACH
In short, we believe in a disciplined approach to investing that looks at the long term. We don't try to outguess the market, but let the markets work for us. Download the pdf below to learn about our approach to investments.
How Much Will it Cost?
We provide fee-based advisory services and charge based on assets under management (AUM). We provide completely independent, unbiased financial advice that is not tied to any commission-based products, or other form of compensation, where there may be potential for conflict of interest.
ONGOING INVESTMENT MANAGEMENT FEE SCHEDULE
The following is a fee schedule for our ongoing investment management and financial planning services.
Transfer fees from your current bank, credit union, mutual fund company or insurance firm can be reimbursed.
Minimum Investment: $250,000
The above fees are those under the Manulife Wealth Advisor Managed Program.
| Total Investments | Funds | Savings (GIC's) |
|---|---|---|
| $250k to $1M | 1.00 | 0.25 |
| $1M to $2.49M | 0.75 | 0.15 |
| >$2.5M | 0.60 | 0.15 |
Project-based Financial Planning Fees
Goal-based financial planning services range from $1,000 to $5,000 depending on project complexity.
Learn how you can get the most out of your money
Book a free consultation with Ian today.
