About Us

Richard Hearn came to the Financial Services industry in 1992 with over 20 years of business experience. With a strong commitment to ongoing education and professional development, Richard has dedicated his career to matching his clients' needs with a full range of products and services that have proven performance records.

Building long term relationships with clients is one of Richard’s top priorities. He feels that it is essential to learn where his clients have been, where they are now and what their future goals and objectives are before any advice is given. As a client of Richard's you can expect to receive ongoing comprehensive financial planning advice with a specialized focus on Pre-Retirement Planning, Final Estate Distribution and Personal Insurance Options for Families.

Profile

I am a Certified Professional Consultant on Aging (CPCA) focusing on the unique financial security requirements of individual families. Research, development and implementation of innovative approaches are used to ensure the success of my clients’ insurance and investment planning needs. While providing insight on your personal financial plan is important, my greatest value rests in helping you understand the financial consequences of the life decisions you are considering for your family.

We believe that it is important to make it clear to our clients what we do, how we do it and the results they can expect from our relationship. By the same token, we want you to know, what you can contribute to get maximum value from working with us. We believe that this full, shared disclosure will serve as the basis for a long and mutually beneficial relationship.

Scope of Services - Credentials

While I am licensed to transact a variety of services in a number of financial areas, I specialize in Pre-Retirement Planning, Personal Insurance Options and Final Estate Distribution for the family market. This includes applications of life insurance, disability insurance, critical illness insurance, critical care insurance, segregated funds, annuities and mutual funds. Please note that I offer no specialized advice on equities, group products or any other investment and insurance products other than as described above.

I am a Certified Professional Consultant on Aging (CPCA), a Level 2 Life Insurance agent and have a Mutual Fund license. As a requirement of these designations, I maintain a comprehensive, continuing educational program each year.

What you can expect from me
• You can expect me to recommend proven strategies and products that I would use elsewhere in similar circumstances and your needs are always held above my own.
• I always recommend products from high quality companies.
• The information you provide me is confidential, as allowed by law.
• My recommendations are based on an extensive understanding of your situation.
• Annual financial reviews are offered to advise you of market changes so you can make plan modifications.
• My staff or I will respond to your telephone and e-mail inquires as soon as we are able and target “by the end of the business day”.
• You receive regular communication from us and we will advise you of circumstances that could affect you, as we become aware of them.
• An endorsed referral is the highest praise I can receive for my efforts and I treat all new client introductions from you professionally.
• If you are dissatisfied and I cannot make satisfactory improvements, your file will be transferred without fee or condition to a financial services professional of your choice.
• I subscribe to the Code of Ethics of the Investment Funds Institute of Canada, the Alberta Insurance Council and the Financial Planners Standard Council.

What can you do
• Be open to new and innovative approaches to dealing with your financial affairs.
• Fully disclose all personal and business information needed to allow for a good recommendation.
• Seriously consider my recommendations.
• Do business with me on services I have drawn to your attention.
• Endorse my work to others when you believe I have been valuable to you.
• Tell me how I am doing - If I’m off track tell me fast. If I’m doing well, tell everyone.

Compensation
• I am paid commission by the companies where we place your business when your contract is issued. I may also receive commissions each year your plan is in effect. I am sometimes liable to repay commissions if you cancel or move your business.
• If you prefer, I can charge a fee for service and you can place your business on your own. My hourly rate is $300.00.
• Of course, my most valuable compensation is the personal endorsement of satisfied clients and I will work hard to build the type of relationship where you will feel comfortable referring me to friends and associates.