Tom Venner CFP®


Qualifications and Services

I am a Financial Planner (CFP) and pride myself on unparalleled service and performance. I am committed to providing unbiased advice and prudent strategies for managing your financial well being. My services are always tailored to your unique needs. I am compensated for the services I provide by one or more of the following three methods:

Hourly and Flat Rate Consulting Charges for Segmented Plans:

My consulting services may be most appropriate for clients who value the financial planning process and want a professional to provide the blueprint. An hourly rate is charged for financial, investment, estate or retirement planning.This cost is $75 per hour and will be discussed in more detail during your initial consultation along with an estimate of time for completion. For someone with limited planning needs I can consult on a project-specific basis as well (example: investment*, risk management, retirement income, estate or tax planning only). These plans start from $250 per plan depending on the complexity.

Cost Based on Assets Under Management:

I can help you select appropriate investments and oversee the management of your portfolio on an ongoing basis. Investments will be in financial instruments that I am licensed to sell such as mutual funds** (including index/ETFs sold through mutual fund dealers), GICs and Savings Accounts (does not include individual stocks or bonds,ETFs traded solely on stock markets, private placements). F Class mutual funds pay no commissions to advisors and have reduced management expenses as a result.Assets under management are assessed as follows:0.75-1% for assets under $500,000, 0.5% for assets $500,000 - $1,999,999..Rates are negotiable for assets over $2,000,000.

Commissions Only:

I may be compensated by a commission or sales charge when utilizing certain investments including, but not limited to: mutual funds, segregated funds and variable annuities (GMWB products)***, GICs and Savings Accounts. This may be more suitable for clients who wish to start a savings or investment plan but have small sums to start. The cost of a full financial plan might prove too costly but with commission based plans I can provide advice without charging the client directly. I have a policy of complete transparency in disclosing all commissions generated in this manner with my clients prior to proceeding.

Investment Philosophy

I focus on a balanced approach to investing using all available asset classes to maximize diversification. Risk management is a priority and all portfolios are designed to match the risk comfort zone of each individual client. I seek investments where the managers have proven they are capable of being active when necessary to protect client capital. In some cases more passive approaches can be implemented that lower your portfolio management costs. I will not recommend an investment to a client that I myself would not invest in.

*All investments and investmentadvice will be limited to financial instruments that I am licensed to sell such as mutual funds (including index/ETFs sold through mutual fund dealers), GICs and Savings Accounts (does not include individual stocks or bonds,ETFs traded solely on stock markets, private placements).

**Commissions, trailing commissions management fees and expenses may all be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated..

***Insurance products through Financial Horizons Inc.