Here are some financial concerns we’ve helped our clients answer.
What client's are saying
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, RRC
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.
Wealth Building Tips & Tactics
Wealth building is a long process and sometimes it doesn’t feel like you’re on track. Here are ten things proving you are on your way.
Claim Your Free Buy-Sell Consultation Now Our Team Can Help You Check The Business Valuation Create A Funding Plan With Insurance Options Review or Create
Your Income and your ability to earn an income is your most valuable asset. It allows you to have the home, car, and lifestyle you provide for your family. Protect it with disability 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.
Life Insurance Solutions
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
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.
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
- Criminal Records
- Prior Life Insurance Applications being declined
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.
CANADA PROTECTION PlAN
IA FINANCIAL GROUP
tHE eDGE bENEFITS
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.
*additional contracting may be required with some carriers.
Are You Serious About Building and Managing Your Wealth?
Work With a Fee Based Financial Planner In Calgary.
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.