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How do I get to your offices? Simply Contact Us!
How do I know for sure that your financial advice is unbiased? P.B. Fraser & Associates/ Dundee Securities Corporation is not influenced to represent or sell any particular group or set of products over another. This allows us to objectively evaluate all the financial tools and products available to you. Our purpose is to help you make sense of the financial maze. We will inform you of the associated risks with each product choice and why certain product classes are better designed for your financial situation. We have no hidden agendas. We will disclose our compensation to you as a result of your financial product selections. At all times, you will know why we recommend what we do and how we will be compensated for these choices. Our focus is to give you sound and trustworthy advice that fully takes into consideration your unique situation and priorities. The financial planning component of our service is fee-based, so you can rest assured that our recommendations are objective. For more information see Our Services. What do you do? We are a team of professional investment advisors who counsel clients in the areas of personal financial planning, investment management, insurance, and tax & estate planning. Legal advice is provided by independent, qualified individuals who's services are available through P.B. Fraser and Associates/ Dundee Securities Corporation. Everything we do revolves around ensuring our clients’ financial well-being. How we work together sets us apart. Contact Us…it will be the
best decision you make today How are you different from any other Financial Planning service? We believe it’s our commitment that sets us apart. We are
committed to making a difference one to another and ultimately,
as a team in the lives of our clients. We take our responsibility
seriously in helping you succeed in achieving financial independence.
Our business is primarily built on a referral basis, so we must
outperform your expectations for you to want to refer your friends
and family to us! How much will I need to retire on? Allow one of our Investment Advisors walk you through the Retirement
Planning process and formula. We have advanced financial planning
software tools that help us to accurately calculate your retirement
income goal (factoring in inflation) and what you will need to
save
in the years to come to "get there". We will also review
with you some "what if" scenarios and saving strategies
you can consider to help you effectively plan for your retirement. How do you select investment managers? Investments are an important tool to help you accomplish your investment objectives. Understanding the strengths and weaknesses of the investment manager behind the investment is equally as important. No single manager can excel in all areas of investing. So we help you with the Investment Management (link to investment management services) challenge by informing you of key criteria we use to assess the risk and return potential of a particular Investment Manager’s portfolio. Such as…
If you have a specific investment management question, please Contact
Us! Where should I invest my money? At P.B. Fraser & Associates/ Dundee Securities Corporation, we will help take the confusion and fear out of investing. We will give you confidence on how to invest wisely for your particular set of circumstances. Our Investment Management Services, will assist you in developing and implementing an appropriate strategy grounded on three key principles: Objectivity, Discipline, and Diversification. Our educational process will provide you with answers to the following questions:
If you are looking for clear, concise and sound advice in this
area… Contact Us! How do you get paid? We offer an introductory consultation free of charge. This first meeting allows you the opportunity to get to know us better, ask us specific questions and help you assess whether we are the right financial counseling firm for you. Should you choose to engage the services of P.B. Fraser & Associates/ Dundee Securities Corporation to help guide you in your financial matters, the following outlines how we are compensated for the various services we offer. Financial Planning Services The financial planning services that are offered at P.B. Fraser and Associates/ Dundee Securities Corporation are provided on a fee-for-service basis. When clients have a professional comprehensive financial plan written with all of the supporting calculations and references, the fee for this service is dependent on the complexity of the client's situation. After the initial consultation with your Investment Advisor and the planning services specialist, the fee for the plan is quoted firmly. The fee will generally range from $500 to $3,000. Alternatively, we can invoice our services on an hourly basis at $100/hr. Investment Planning Services The investment planning division constructs investment portfolios and monitors their progress. That is, in many cases with mutual fund purchases the client does not get charged directly. All commissions resulting from the sales or service of mutual fund assets are processed through Dundee Securities Corporation. Fund companies permit a client to negotiate a 0%-5% FEL commission on a mutual fund purchase. Commissions on fixed income securities are built into the price and yield, and are competitive with industry leaders. Insurance & Estate Planning Services Income and estate preservation services are provided as a component of the overall financial planning process and, as such, are included in the price quoted for the plan. Legal work can be obtained independently of a full financial plan and will also be firmly quoted before any work begins. Tax Planning Services Tax
preparation services are charged independently of any financial
planning fee (although tax planning work is a component of the overall
plan). The fees charged depend on the complexity of the tax preparation
work and are roughly $80/hr.
Is my money safe if your company goes out of business? Yes, your money is safe. Your money is never directly invested in or with P.B. Fraser and Associates/ Dundee Securities Corporation. Rather, it is held on deposit with well run Canadian pension fund managers such as AIM Trimark, Fidelity, Dynamic, etc. who collectively manages assests worth over $100 billion. Do you provide service in French? Absolutely. P.B. Fraser and Associates/ Dundee Securities Corporation is more than willing to provide expert financial services in both of Canada's official languages. Please specify this when speaking to a P.B. Fraser and Associates/ Dundee Securities Corporation representative, and they will gladly make the proper arrangements.
 
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