Why seek unbiased or impartial financial advice?

Work. Family. Exercise. Leisure pursuits and passions. If you don't have time for everything that's important to you, you're not alone. And even if you have the time to manage your money, do you have the expertise to do it - and peace of mind when you've made a major investment decision?

A financial planner can give your investments & insurance the time and careful consideration you know they should have. And a group of professional advisors that are specialists in individual areas of financial and estate planning, and insurance and investments - can provide even better solutions.

We have a national network specialists that are some of the best independent insurance and investment fund advisors in Canada. That's the underlying strength of Horizon Planning Group. Their counsel can make the difference between making and foregoing thousands of dollars over your lifetime, and between having and lacking the right insurance coverage for life's unexpected turns.

Your initial investment in us - an open discussion of your needs, hopes and fears - is essential to a lasting relationship that maximizes your growth, protection and comfort. After that, your commitment to a long-term plan is your best defence against "panic selling" and other losing strategies that harm too many self-managed portfolios. And we'll be there to support you along the way.

Questions you should ask yourself (and we can help you answer):

• Have I thought about what my current life stage means for my long-term financial needs?
• Do I know what my upcoming financial needs and goals are, and when I'll need the money for them?
• Do I know the value of my current investments?
• What can I afford to invest on a monthly or annual basis?
• Is reviewing these questions making me nervous about my financial future?
• Where am I, where do I want to be, and how do I get there?
• Do I have a reserve in case I become disabled or seriously ill?
• How do I maintain my family's standard of living following the loss of myself or my partner?

The Bottom Line on Investment Funds Advisors

"During an 11.5-year period ending June 1995, investors with a Investment Funds Advisor held their funds longer and earned almost 17 per cent more in total cumulative return on their investments than those who purchased their funds directly."

Source: Dalbar Financial Services (United States), Second Quarter, 1995.