Services - Art of Retirement

What you can expect from Anthony Gordon J.D., LL.M., CFP®, CLU®, CEA at FiduSure Financial Inc. and our Strategic Planning Process.

Recognized by Wealth Professional as a 5-star advisor for 2022.
Author of Property Trendsetters, chapter on Tax Minimization for Property Owners.
Author of upcoming book, “The Art of Retirement: The Canadian Guide to Retirement and Beyond.”

What do you get in your plan?

A PLAN COVERING ALL 7 AREAS TO GET YOUR COMPLETE FINANCIAL HOUSE IN ORDER

Tax Estate Risk Investments Insurance Debts Cash flow

Together, we will complete a quality financial plan, including a comprehensive written lifetime financial strategy, updated annually to actualize your goals.
Outcome: Clarity around your financial future and a roadmap to follow

Together, we stress test your financial plan and model multiple strategy combinations, comparing and selecting the best path to achieve your retirement goals.
Outcome: access to a platform that empowers you to manage your finances, plan for your financial future and collaborate with your financial planner in a real time to get personalized financial, tax and estate strategies and advice

Each time we meet, I will provide you a straightforward, chronological list of simple action steps to implement your financial plan, along with a checklist of items to keep you on track. This gives you a greater probability of accomplishing your long-term goals.
Outcome: Getting and keeping you on track

I will review your financial statements and be available to discuss them. This gives you the information you need to feel confident that you are accomplishing your long-term goals.
Outcome: Discussing where you are and if you are on track; clarity through the meeting and confidence about your future

We create a written plan for every client goal, with specific requirements of how to implement and accomplish. We ensure you follow the plan and keep you on track. The accomplishment of your goals is the proof that you have made the financial decisions that are right for you. This gives you more “time”, so you can focus on what’s most important to you.
Outcome: Clarity around ALL of your goals and a means of accomplishing more

We will analyze how your assets are allocated, and work with third-party money management experts who will provide advice on how to best position you, and to create the highest likelihood of achieving your goals. We will help provide you with a clear strategy going forward. We seek out managers who offer tailored systems that add value to both of us.
Outcome: Confidence in process and systems

Together, we will walk through a checklist of tax planning items to make sure every stone is unturned, and save you tax dollars. One of the best investments you can make is saving a dollar in tax, because that equates to a dollar thirty, or forty, or more, of income. We remove the stress in dealing with tax issues by coordinating with tax professionals for you.
Outcome: A comprehensive tax planning checklist reviewed

Together, we will estimate the short-term funds you need, and determine how to establish and maintain those required short-term funds. We will establish short- and long-term cash flow goals and give specific advice on how to reduce or eliminate any debts, with a timeline that makes sense for your needs.
Outcome: Get more from the money you have

We will provide you with information and tools that give you the ability to make well-informed decisions. This gives you the assurance that your retirement is in order, and that future estate values are aligned with your goals.
Outcome: Clarity around your estate

We will assess any risks we see in your future, and uncover potential blind spots that may be a risk to your overall plans. In addition, we will evaluate your comprehensive insurance needs, and recommend best-in-class insurance solutions, with the proper amounts of insurance.
Outcome: Peace of mind, confidence and measurable dollars

We will perform a comprehensive review of your current estate plan and simplify it for you and your executor(s) through our estate planning organizer. The beneficiary audit service will summarize your estate on one page. We will also work with your legal professionals to implement any changes necessary. The two objectives are to establish a plan for your money to make it to the next generation and beyond, and to create a structure that will bring your heirs closer together, avoiding conflicts about the money once you are no longer around. We help you put it on paper and clarify your future for the next generations.
Outcome: The peace of mind you are looking for, both in confidence, measurable dollars and know the probability of your estate plan’s success out of 100.

We will work with your professional advisors, accountants, lawyers, risk managers (or refer our experts if you need), gather information, and coordinate it so that it simplifies the planning, and saves you time in completing your tax and estate planning.
Outcome: A coordinated team of professionals. A Coordinated plan means bringing the different elements of (a complex activity or organization) into a relationship that will ensure efficiency or harmony. This is done through the Fidusure Network of Professionals

We will complete a portfolio tax audit, to see if you can save tax on your accounts each year. This includes a review of tax reduction strategies, and a list of how to minimize tax this year and every year in the future.
Outcome: Get more from the money you have

WE HAVE THREE MAIN OBJECTIVES IN MIND FOR OUR CLIENTS:

CLARITY. First, we want to make sure we understand you, your values, and what is important to you. We perform goals-based planning for your future, and keep you on track to reach your goals.

COMPREHENSIVENESS and TRANSPARENCY. Second, we want to help you understand the benefits of comprehensive financial advice, provide an overview of the total costs, and disclose any conflicts of interest. We will then create a comprehensive, quality financial plan to help you meet your goals.

ACCOUNTABILITY. Third, we want to communicate with you on a timely basis to keep you on track. Our team will provide you with a comprehensive financial plan giving you more time to focus on things that are more important to you than money.

WE HAVE THREE MAIN OUTCOMES IN MIND FOR OUR CLIENTS:

Align your financial choices with your most important goals and most deeply held values, with a comprehensive plan.
Get your entire financial house organized in all 7 areas, and keep it that way.
Create confidence that you have a comprehensive plan that will help you achieve your goals, and give direction for your future.

OUR COMMUNICATION PLAN FOR YOU:

Through our 3-meeting process, we will get you on track, and keep you on track to reach your goals:
In the spring, we have our goals, planning and investment update and no-stone-unturned, 100-point comprehensive checklist.
In the fall, we have our tax and investment strategies update, and year-end tax analysis.
And in a last meeting, we cover our comprehensive risk management, estate and legacy conversations, and business planning as appropriate.
Between meetings, we have a 12-touchpoint process to give you the confidence that no matter what happens in the world, we will help you stay on track to reach your goals.

A Comprehensive Financial Plan – for Individuals and Couples
Cost: $3,000 for most (higher if there is complexity)

A Comprehensive Financial Plan – for Business Owners
Cost: $5,000 for most (higher if there is complexity)

Hourly Cost: $500 (Initial 30-minute consultation is complimentary)

Business Consulting Offered via Ontelligence Network Inc.

Half-Day Consulting: $5000

The Growth Consult, Grow Sales Consult, Grow Profits Consult, and Exit Planning Consult are tailored solutions for businesses seeking growth, increasing sales, maximizing profits and exiting your business.
With the Growth Consult, you can access a step-by-step process that guides you in successfully expanding and scaling any business. The Grow Sales Consult equips you with the knowledge and strategies to identify impactful sales channels and assist your clients in creating a comprehensive sales plan. For businesses aiming to boost their profits, the Grow Profits
Consult provides a valuable blueprint for assessing profit factors such as pricing strategies, operational efficiencies, and prioritization. The Exit Planning Consult is a comprehensive solution that guides business owners through strategically planning and executing a successful exit from their company. These consults offer practical insights and tools to help you confidently achieve growth, sales, profit and transition goals.

Business Retainer:
Annual Fee: $25,000 (one payment)
Monthly Fee: $2,500/monthly

Contact Anthony

If you have any questions or comments, please use the form below to send me an email.

PRIVACY PROTECTION NOTICE

Client Record and Personal Information:
The personal information collected about you for the purposes identified in this Privacy Protection Notice is held in a record called the “client record”. The personal information in your client record may include your name, address and telephone number, social insurance number, birth date, driver’s license, passport number, income, net worth, account holdings and the name, address and social insurance number of your spouse and beneficiary. Depending on the investment/insurance or service you request, additional personal information may be held in your client record. For example, if you have established a pre-authorized payment plan, your financial institution account number is recorded.
Providing Your Information to your Financial Advisor:
When you completed an application form or otherwise opened an account with my assistance, you provided me with personal information including, where applicable, personal information concerning your spouse and beneficiary. You may have also provided me with information when you gave instructions to me about insurance and/or investments you had or wished to have. I collect this personal information, hold it in your client record, use it and when needed, discloses it for the purposes identified in this Privacy Protection Notice.
Collecting, Holding, Using and Disclosing Information in Your Client Record:
I may collect, hold and use the information in your client record. I may also collect personal information from, and disclose personal information to, third parties for the following purposes:
a. Identifying you and ensuring the accuracy of information contained in your client record.
b. Establishing and administering your account, determining, maintaining, recording, and storing account holdings and transaction information in your client record.
c. Providing you with investment account statements and other information related to any insurance policies held, which you may request as needed to service your account.
d. Understanding your insurance and/or investment needs and eligibility for products and services and recommending particular products and services to meet your needs.
e. Protecting you against error and fraud.
f. Meeting the legal and regulatory requirements of various statutes including provincial securities legislation and federal money laundering regulations.
g. Verifying information previously given by you with any other organization when necessary for the purposes provided in this Privacy Protection Notice.
I may collect personal information about you from third parties for the purposes identified in this Privacy Protection Notice. These parties include your other financial institutions, insurance/segregated fund companies, mutual fund companies and others who represent that they have the right to disclose the information.
I may disclose to third parties’ personal information about you for the purposes identified in this Privacy Protection Notice. These parties include the dealer(s) through which I place my life insurance business, other financial institutions, account statement preparation and mailing companies, Canada Post, courier and document storage companies, insurance/segregated fund companies and mutual fund companies. Other third parties could include Canadian government agencies such as the Canada Revenue Agency.
When I transfer personal information to any service providers, I ensure by contractual means, that the transferred personal information is used only for the purposes for which the service provider is retained. If you wish to withdraw consent to the continuation of this information sharing or discuss the implications of such withdrawal, please contact me through one of the means listed at the end of this notice. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold consent may limit my ability to deal with you and may also limit the products and services that I provide you, because the collection of information and the disclosure to certain third parties is a necessary part of making the product or service available to you.
Your personal information will not be shared with sales advisors of any other company without your consent.
Using Your Social Insurance Number:
I am required by law to use your Social Insurance Number to facilitate required tax reporting to the Canada Revenue Agency. I may also provide the number to third parties engaged to provide income tax reports.
Employees and Advisors Who Have Access to Your Client Record:
I may have employees and advisors who may work with me and whom may have access to your client record provided they have a specific need to know in connection with the purposes identified in this Privacy Protection Notice. Access is permitted only to the extent necessary for such purposes.
Location of Your Client Record:
Your client records, in electronic or paper format, are kept at the offices of the dealer(s) through which I place my life insurance business and I may also keep my own records. Paper records forming part of your client record may also be kept in secure offsite storage. Your client record may be transferred to other locations for disaster recovery purposes.
Right to Access and Rectify Personal Information:
Except in limited circumstances prescribed by the Protection of Personal Information and Electronic Documents Act (Canada) and similar provincial privacy protection acts, you are entitled to access, through a written request, the personal information contained in your client record. You may verify this personal information and request that any inaccurate information be corrected. Please contact me through one of the means listed at the end of this notice. If your concerns have not been resolved to your satisfaction, you can contact the Privacy Officer of the dealer(s) through which I place my life insurance business.
Changes to Your Personal Information:
Please inform me promptly of any change in the personal information that you have previously provided. Contact information is provided below.
I appreciate your business and promise to handle your questions or input regarding personal information in a prompt and courteous manner.

You may contact me as follows:
T: 647 567 4702
E: Anthony.gordon@fidusure.com

PRIVACY POLICY CONSENT

My Privacy Policy and Commitment to Protecting Your Privacy
I value your business and I thank you for your confidence in choosing me as your source for advice and products. As my client, you trust me with your personal information. I respect that trust and want you to be aware of my commitment to protect the information you share in the course of doing business with me.
Your Rights as they Pertain to Your Personal Information
• You have the right to know why an organization collects, uses, or discloses your personal information.
• You have the right to expect an organization to handle your information reasonably and to not use it for any other purpose other than the one to which you consented.
• You have the right to know who in an organization is responsible for protecting your information.
• You have the right to expect an organization to protect your information from unauthorized disclosure.
• You have the right to inspect the information an organization holds about you and make sure it is accurate, complete, and current.
• You have the right to expect an organization to destroy your information when requested or when no longer required for the intended purpose.

ADVISOR DISCLOSURE

Please be advised that as a life insurance agent and a certified financial planner I, Dwayne (Anthony) Gordon am obliged to disclose, in writing, any potential conflicts of interest to my clients. As such, please carefully read, sign and date the information below. Once complete, I will give you the original and will keep a copy as part of my client file. Your signature acknowledges that you received this information and does not waive any legal rights you may have.

Licenses and Jurisdictions

I am licensed for life insurance and health insurance in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick, Life Insurance includes term and permanent types of coverage. Health insurance may include long-term disability, critical illness, long-term care, and medical/dental plans. Additionally, I am able to help clients with insured income and investment types of plans such as annuities and segregated funds.

I am also licensed/registered in the following fields: Law.
For insurance products, I place business through Carte Risk Management

For Stocks , I can place business through Croft Financial Group.

I have access to products through the distributor from a variety of companies including but not limited to:

Canada Life	Equitable Life
Empire Life	Beneva (La Capitale & SSQ)
RBC	Forester’s
Canada Protection Plan	Industrial Alliance

Compensation

I am compensated for financial plans I prepare for clients and by a sales commission on policies I sell, and I may also receive a renewal (or service) commission on policies that remain active. Commissions are paid by the company that provides the product you purchased.
For certain products, the commission may be different than the standard commission scale provided by the company providing the product. I will advise you if this occurs. Any future increases in the commission scale will require your written approval.

If my sales reach a certain level, I may be eligible for additional compensation, such as bonuses and other benefits, such as conferences. This compensation depends on various factors such as the volume or retention of business I place with a particular company during a given time period. Recognition/incentive- based compensation is an industry wide practice and is a standard form of payment.
As an Independent Financial Advisor, I am bound by the laws governing life insurance agents in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan This means that any insurance product(s) I recommend will be the product(s) I consider to best suit your needs, regardless of the compensation.

Conflict of Interest

I take the potential of a conflict of interest seriously. I confirm that I have no conflict of interest. If I become aware of a potential conflict, I will tell you.
This statement has been prepared by the advisor, and the advisor alone is responsible for its accuracy.

More Information

If you need more information about my qualifications or my business relationships, contact me. I would be happy to help.