WHO WE ARE Our Mission
The RL Financial Team, is dedicated, and committed to the development and maintenance of your financial security plan. We view our relationship with you as a lifetime partnership; each decision we make we'll make together based on what is best for your situation. We take this responsibility seriously.
Philosophy
We invest for our clients for the long term, therefore, we do not believe in market-timing. We believe in holding well diversified portfolios according to the investor's risk tolerance that will allow them to sleep comfortably at night. Intelligent diversification is the best way of reducing the risks of an unknowable future.
News
Jan 25, 2012
RRSP contribution deadline for 2011 tax year is Feb 29, 2012.
Jan 24, 2012
Life insurance premiums to increase on Feb 13, 2012.
Nov 30, 2011
Celebrating 7 years in Financial Planning practice. Thanks to the support of all our customers & friends! Thank You JESUS! We'll strive even harder than before!
Oct 5, 2011
Presentation at Sheraton last evening to some wonderful dentists was great!
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Website created by the RL Financial Marketing Team. © 2011. E&OE.
WHAT WE DO Financial security planning:
A financial security plan helps you determine what is needed to reach your financial goals. Your financial security plan is a comprehensive guide for your long-term financial decisions. It helps you define your goals and expectations and applies realistic timelines for success.
The plans are customized and tailored to your situation. We view total financial security planning as an ongoing process. Your plans evolve in response to, and in anticipation of, your needs. They are updated regularly on a schedule that suits you.
Our Process:
Step 1: Financial situations and goals
We begin by looking at your present personal and financial situation; we compare this to your dreams and goals.
Step 2: Analysis
We take the information gathered from Step 1 and perform a detailed analysis to derive possible solutions.
Step 3: Recommendation
We provide a proposal of possible solutions to the opportunities identified in Step 2.
Step 4: Implement the plans and strategies
We work with you to implement the plan we agree upon.
Step 5 : Regular plan reviews
We will monitor your progress against your financial security plan.
Whenever there is a change to your situation, we'll review your overall financial situation and update your plans.
Website created by the RL Financial Marketing Team. © 2011. E&OE.
FINANCIAL PLANNING Investment & Retirement Planning
We take a long-term approach to investing; therefore, we do not believe in market-timing. We believe in holding well-diversified portfolios according to your risk tolerance. Diversification is the best way to minimize risks. We design investment portfolios by reviewing your current and future investment needs, risk tolerance, goals, and experience. We then suggest a distribution of asset classes based on the analysis. We create a total financial security plan to help clients determine how to meet their retirement goals.
Income Protection Planning
Disability and critical illness insurance help protect client's income and helps to minimize the impact on their retirement plans if they were to become sick or injured. In the event of a disability or critical illness, money is often needed to help cover additional expenses such as timely medical treatment outside Canada, medical treatment that is not covered under traditional medical plans, recovery time off work, paying off your mortgage or other pressing financial liabilities.
Financial Security at Death
My team of product specialists and I will help you identify the most suitable tax-saving strategies, understand the estate planning options and customize the insurance coverage to meet your family's needs today and in the future.
Business Financial Planning
We provide companies the information they need to help protect the best interests of those who helped build or support the business. We can help you plan to protect and retain company employees with a group benefit plan including life insurance, disability and critical illness insurance, extended health care, and retirement benefits.
If you are a partner or major shareholder in a company, you may want to consider drawing up a buy-sell agreement. Buy-sell agreements outline what will happen to the partnership or company in the event of the death or disability of a partner or major shareholder.
Website created by the RL Financial Marketing Team. © 2011. E&OE.
ABOUT RL About Ricky Leung, B.Sc., CFP, CPCA
Occupation: Certified Financial Planner
Job Description:
Creating and implementing financial plans for clients using investment and insurance products from various Investment & Insurance companies as tools.
Compensation Structure:
We are either compensated by the financial institution in which our clients place their financial plans and investments through,
OR, by a negotiated hourly fee for our financial planning services.
Education and Certifications:
Bachelor of Science, 2003
Microbiology & Immunology Major, Commerce Minor.
University of British Columbia, Vancouver, Canada.
Certified Financial Planner (CFP)
The CFP is an internationally recognized designation awarded in Canada by Financial Planners Standards Council (FPSC), http://www.fpsc.ca/. CFP professionals must meet FPSC's standards in education, experience, examination and ethics. CFP professionals must also have 30 hours of continuing education every year and agree to abide by the CFP Code of Ethics to renew their right to use the designation annually.
Certified Professional Consultant on Aging (CPCA)
This North American qualification attests to an advisor’s ability to provide answers on health, social and financial matters for the 50-plus population. http://cpcacanada.com/
RLs COMMENTS Jan 25, 2012
RRSP contribution deadline for the 2011 tax year is Feb 29, 2012. Call us for details!
Jan 17, 2012
Life & Critial Illness insurance premiums will increase on new applications received after Feb 13, 2012. Apply before Feb 13 to receive the current rates!
Nov 30, 2011
Celebrating 7 years in Financial Planning practice. Thanks to the support of all our customers & friends! Thank You JESUS! We'll strive even harder than before!
Nov 11, 2011
A salute to all veterans. Thank you so that we can have freedom.
Sept 30, 2011
Is your 10-year-term Life Insurance about to renew and increase in premiums by 3 to 4 times? Call us and lower your rates!
Sept 25, 2011
Since late 2010, gasoline prices have risen almost 25%. Canadians will be spending an extra $12 billion or $950 per household in the next 12 months. That’s equivalent to a 7% increase in the average Canadian income tax bill.
Sept 17, 2011
RL says good bye to Mrs. River He for her superb adminstrative service to our clients for the past 2.5 years, and welcomes Ms. Chelsea Goetz!
