Frequently Asked Questions

Q. How does The Colman Team get paid for working with me?
Ans: In most cases, as a result of designing an investment program and financial plan, individuals need to purchase different types of insurance or investment products. The product providers compensate us. This means that, in most cases, clients do not receive an invoice from us.
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Q. What is the normal process?
Ans: An interested client contacts us to arrange for a complimentary first meeting. It is at this point that we learn about your individual situation and for you to learn about how we would work with you. If you feel that there is a good fit, we proceed with another meeting to prepare the necessary forms and start our relationship with you.

Q. Are there any account minimums?
Ans: There are no account minimums. You will find, however that, as you develop your financial plan, and the more complicated your individual situation, the more assets you have to be considered, and managed.

Q. Is the information confidential?
Ans: Yes! We do not share or otherwise provide your information to others without your express consent or in response to proper legal or regulatory process. Our reputation is built on a foundation of trust.

Q. Do you have some literature available?
Ans: Yes! We will be pleased to send you an introductory brochure with our resumes and recent newsletter to our clients. Also, we have audiocassettes covering The Colman Team, Registered Retirement Plans and Education Funding. Please contact us to request a cassette.

Q. Do you help me with my financial plan on an ongoing basis?
Ans: Yes we do. Some clients prefer a formal detailed plan.  Others request periodic advice on specific financial planning matters relevant to them at certain stages in their lives, such as: buying or leasing an automobile, paying down the mortgage or making RRSP contributions, cash flow budgeting, estate administration, review of wills and powers of attorney, financing the purchase of a home, educational funding for their children or grandchildren, minimization of taxes and probate fees on death. This is all part of our service to you.  We find that many clients refer to us as their personal CFO.