How We Are Different
There has been a lot of debate in the media about which style of remuneration is better for clients. The overwhelming majority of financial advisers in Canada are still commission-based but our opinion is that fee based or fee– for– service financial planning is much better for clients as it lessens the risk of a conflict of interest.
When a financial adviser is paid by a product provider, we believe that they may be inclined to work for the commission rather than work for the client. This can result in clients being “sold” into products which may not necessarily be the 100% best option for their needs
In addition, most commission based financial advisers in Canada don’t offer advice in areas such as budgeting, savings, and tax structuring because they aren’t placing their client into a product they can sell. Many people need this grassroots financial planning from a professional and many are not getting it for this reason.
At Kevin O’Brien and Associates we feel that fee based or fee for service financial planning is the way of the future. We know that we are in the minority of financial planners in Canada but we believe that this payment structure offers the best service to our clients and enables us to give advice to our clients in all areas of financial planning. At the end of the day, it is our clients who pay us for our service and advice, and it is our client that we are working for.
No matter what “new” financial vehicle you’ve read about — TFSAs, ETFs, Disability Insurance, Estate Planning for Small Business Owners — you can trust that Kevin has conducted a comprehensive investigation of the subject and can offer you the pros, cons, eligibility or viability of practically any financial vehicle available in Canada.
Kevin has financially guided our growing family in the right direction.
Kevin has helped me avoid many of the financial pitfalls only a professional with his foresight could perceive.
Kevin is honest, flexible, great with kids and has a genuine interest in my family’s future. I highly recommend Kevin O’Brien.
His continual advice on financial planning issues has saved me significant amounts of money over the years.
Kevin has helped me accomplish financial goals I could not have imagined achieving without his insights.
Kevin brings the same steadfast commitment, strong work ethic, and passion for learning to everything he does. We are glad to have him in our corner.
With Kevin’s help we were able to review our past, current and future finances/goals and develop a proper retirement plan.
Kevin has always been dependable, straightforward, honest and ethical.
Kevin has continued to help me build wealth and prepare for the future as I transitioned from a young, salaried employee to a self-employed professional with the additional responsibilities of a marriage and children.
Kevin has always been open and honest in our discussions. He is proactive, decisive, and takes time to explain his strategy and its underlying reasons