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What client's are saying

Hervin Pesa - Financial Planner
5.0
Based on 16 reviews
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Chad Bailey
Chad Bailey
18:19 06 Oct 20
I highly recommend Hervin!His very professional and great listener! He will provide you with great options that will... suit your insurance needs at an affordable price. What are you guys waiting for?why wait for something to happen and regret it....please send him a message so he can provide you with the right insurance that will protect not only you but the most valuable in your life...your family!read more
Laine Delos Reyes
Laine Delos Reyes
17:59 31 Aug 20
Actually I found Hervin’s page in social media and made an inquiry online. At that time, i was looking to add... additional insurance for my family since I am that type of person who believes that Life Is Short and to prepare for the future of my family in times of contingencies is important for me.Immediately, Hervin contacted me and gave me all available options. My insurance was all processed online and that includes live videos, phone calls and emails. As insurance advisor, Hervin handled my account in a very professional manner. Now I feel secured that I am covered and my family is protected.read more
kenia Martinez
kenia Martinez
00:26 06 Aug 20
The service Hervin provided was great, he took his time explaining documents in detail, would always accommodate... meetings to suit my schedule, and was very knowledgeable.I highly recommend!read more
Christine Maravilla
Christine Maravilla
21:16 28 Jul 20
Sir Hervin is very helpful and has wide knowledge in his field. I can say that getting a life insurance will be a lot... easier if you go to him.read more
Rob Symington
Rob Symington
18:00 24 Jul 20
Hervin gets a five star review because he deserves it!! If your looking for someone that cares about his customers give... him a call. I’ve worked with Hervin for years and have nothing but the best to say about how he does business. Again ⭐️⭐️⭐️⭐️⭐️ Thank you for all you do.read more
maria Carla Palaming
maria Carla Palaming
12:35 19 Jun 20
Recommended. He will help you not to get commission but because he believed its better to have something than nothing.... Thank you Hervinread more
Michael Chandara
Michael Chandara
19:58 14 May 20
Hervin went above and beyond when it came to my financial questions. He was very knowledgable when it came to my... situation and I was very happy that he was able to guide me in the direction that was best suited for me. He was also very professional and I would definitely recommend him to my friends and family!read more
Emjhaee M
Emjhaee M
17:32 11 Dec 19
Hervin and his team were fantastic. They helped us with our financial plan and insurance options without making us feel... bad or behind. He’s so good a simplifying things for us to make sure we are really aware of our choices. Ive recommended him to friends and I don’t regret it.Thanks again!read more
Next Reviews

Fee For Service Financial Planning- Advice That Put's You First.

We want to empower you with advice that puts you in control.

Hervin Pesa, CFP- Financial Planner Smiling

Hervin Pesa, CFP, RRC

Financial PLanner

Hello,

I’m Hervin Pesa, a Certified Financial Planner, this is the most recognized professional designation in the field of financial planning in Canada and The States.

Just like you, I am on the ever evolving journey to creating wealth and fulfillment for my family. 

As a Fee-based Financial Planner, I can create a financial plan that is truly tailored to you. 

I am compensated at hourly rates for the fee-for-service engagements. Should any insurance or investment products be required those can be handled in house or appropriate referrals are made depending on your personal circumstances.

I started in the personal finance space because of my love of numbers but stayed because of my care for people. 

Since 2012 I have helped countless of families begin their journey to financial independence and many more protect their wealth. 

 I founded Aware Financial because I believe, what you don’t know, does hurt you. 

Our purpose is to empower those who are new to wealth building with the tools, insight and motivation to get started. 

We believe that what you don’t know, does hurt you. We’re here to minimize the costly mistakes of accumulating wealth.

We also help amplify the efforts of those who have achieved wealth but are now looking for a way to give more meaningfully and create lasting inheritances that go beyond money.

The "ARMED" Comprehensive Financial Plan

A Complete Fee-Only Financial Planning Service

The Armed Financial Planning Method is our signature financial planning process. By taking you through the Armed Method, you co-create a comprehensive financial plan which will help you maximize your wealth regardless of your stage of life. We’ve created programs for the following scenarios.

Foundation Builder: Individuals who are serious about building wealth but are just getting started. The foundation builders program focuses on establishing lasting financial habits, creating cash flow and managing debt, organizing financial documents, maximizing wealth and establishing congruent financial values for couples and young families.

Retirement Rocket: This comprehensive program is designed to maximize your retired life, whether that looks like a beachside paradise or an encore career. It is best suited for individuals and couples who are 5 to 10 years away from retirement and are looking to enjoy retirement and stay retired.

Wealth Watch: This is designed to help those who have wealth, keep it. You’ve worked hard for it, and now it’s time to make sure your assets work harder for you than anyone else. 

Though we would tackle each area in varying degrees, the Armed Method would cover the following areas of your financial life.

A Sunny Beach Day with a Beach umbrella and the sun as a dollar sign representing retirement planning

Retirement Planning

Carefully structuring your investments so that you can eventually reach a “work-optional” lifestyle is great. However, this requires planning around your sources of income. The sequence of withdrawals from your accounts can determine how long and how comfortably you can retire
Learn More
Stacked books and a graduation cap representing educational planning in a financial plan

Education Planning

The cost of post-secondary education continues to skyrocket. Whether you are planning for your kid’s education or continuing education for yourself, requires careful planning and proper funding.
Lean More
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Risk Protection and Insurance Planning

What’s the use of working hard towards building wealth if the fruits of your labour could easily be snatched away? Proper income protection and asset protection plan will help keep you on track when life happens.
Learn More
A Check overlaid with a charity heart symbol representing the giving and estate planning aspect of a comprehensive financial plan

Charitable Giving and Estate Planning

Those who are self-made, start working for survival, then success, but eventually that translates to creating significance. Having a properly planned giving strategy will multiply your ability to leave an inheritance or a charitable bequest.
Learn More
A golden register with an open sign to represent a career and business planning aspects of a comprehensive financial plan

Business And Career Planning

Your biggest asset is your ability to earn an income. Helping you maximize your earning power at work or in your business will have a far greater impact than investment performance. Focusing on this would often provide you with the quickest return per action.
Learn More

Wealth Building Tips & Tactics

Mortgage Life Vs Term
Hervin Pesa

9 Reasons Why Term Life Insurance beats Mortgage Insurance.

Mortgage Life Insurance may not be the right choice when making sure your family has a home if you pass on.

This article will help you understand that you can get the peace of mind you want through Term Life Insurance. Here are 9 reasons to get term life insurance instead.

Read More »

Life Insurance Solutions

TERM INSURANCE

Term Life is the most affordable type of life insurance, it is also the easiest to understand

The word “term” refers to the length of the policy contract.

“Term 10” life insurance would mean that this contract, at this coverage and at this price will be valid for 10 years. 

“Term 20” life insurance would mean that this contract, at this coverage and at this price will be valid for 20 years. 

This solution if ideal for temporary needs, or needs that have a predetermined  expiry.

Some Examples are:

  • CHILDREN’S EDUCATION FUNDING
  • CAR LOANS AND CREDIT CARDS
  • PERSONAL OR BUSINESS DEBTS
  • MORTGAGES
Consider Term Life Insurance if you budget is a concern and if you know exactly when the obligations goes away.

 

We offer a range of Term Life Insurance Plans from top Canadian insurance providers, making sure have choices, you also have qualified advice to help you make your choices.

 
Click you the button below to receive a no obligation quote tailored to you.
 
 
 
 
 

 

PERMANENT INSURANCE

Unlike Term Life Insurance, Permanent Life Insurance Policies provides Life Insurance coverage that DOES NOT EXPIRE. 

If structured correctly, permanent policies guarantee that premiums will never increase and that your loved ones or your favourite charity will get a TAX FREE benefit.

True Permanent Life Insurance Policies also give you the flexibility in your payment options. This means you have the option of paying it over; YOUR LIFETIME, 10 YEARS, 15 YEARS, 20 YEARS or other accelerated time frames.

When properly structured, Permanent Life Insurance policies also have the ability to accumulate cash values which grow tax free and could multiply the initial life insurance benefits.

The permanence and flexibility of growing cash values tax free, make these ideal for:

  • Final or Burial Expenses
  • Creating or Multiplying inheritances
  • Leaving sizable donations to charities
  • An alternative savings vehicle for the highly taxed

Though permanent policies offer a better appeal for those who “don’t want to throw money away on term”. The added benefits also add complexity and present opportunity for misuse and could result in unintended consequences.
Let’s have a chat before considering permanent plans. 

We offer a range of Permanent Life Insurance Plans from top Canadian insurance providers, making sure have choices, you also have qualified advice to help you make your choices.

Permanent Life Insurance Is not for everybody, ask for a consultation below

HIGH RISK LIFE INSURANCE

High Risk Life Insurance options refer to the clients or applicants being of a higher risk and more difficult to insure. This could be due to:

  • Illnesses or Health Conditions
  • High Risk Hobbies 
  • High Risk Work Environment
  • Age
  • Criminal Records
  • Prior Life Insurance Applications being declined
These cases would require specialized underwriting or advanced knowledge of underwriting rules prior to application.
We offer a range of High Risk Insurance Plans from top Canadian insurance providers.

This allows us to offer: 

  • No Medical Life Insurance Policies
  • Accident Only Life Insurance Policies
  • Guaranteed Acceptance Life Insurance Policies

Alternatively, Aware Financial, my company has a Trade-IN-Your-Term program. We offer our services to review an existing term life insurance policy and exchange it for another plan if the companies and contracts you have allows for it.

Because there policies are highly personalized, getting the right advice means talking about specifics of your case. Book  an appointment by clicking below.

 

 

 

 

Our Life Insurance Providers

Through our agreements with PPI SOLUTIONS, one of Canada’s largest insurance MGAs we are able to access the following insurance providers.

Assumption Life

BMO LIFE

CANADA LIFE

CANADA PROTECTION PlAN

CUSTOM CARE

DESJARDIN

EMPIRE LIFE

EQUITABLE LIFE

FORESTERS FINANCIAL

HUMANIA ASSURANCE

IA EXCELLENCE

IA FINANCIAL GROUP

IVARI

MANULIFE

RBC INSURANCE

SSQ INSURANCE

Sun Life

tHE eDGE bENEFITS

SSQ Insurance

DISCLOSURE: 

If you choose to purchase an insurance or investment product through me, I will receive a sales commission when the product is issued. I may also receive compensation while the product remains inforce and may
receive compensation when you engage in specific transactions. I may become eligible to receive additional compensation and benefits, such as bonuses, travel incentives and other non-monetary rewards, depending
on the success of my business, volume of sales and other factors.

Substantially all of the commissions and other benefits that I receive for products offered through the above noted MGAs do not depend on my recommending the products of any particular insurance company but are based on my business as a whole.

Are You Serious About Building and Managing Your Wealth?

Work With a Fee Based Financial Planner In Calgary.

Hervin Pesa, CFP- Financial Planner Smiling

If you’ve always wanted to take charge of your finances but life has just gotten in the way, you might just need a little help.

I’m a Calgary based Certified Financial Planner and I’ve been helping Calgarians build and protect wealth since 2012.

Book a complimentary financial fitness session with me by clicking the button below.