Bob Steven, CFP, CSA, principal of Discover Financial Management, located in Bradford, Ontario.

Using detailed, written Financial Plans, and specializing in Individual Pension Plans (IPPs), Personal and Corporate Insured Retirement Programs and Investment Planning, Research and Management, I can focus on presenting the best retirement options for you.

I have earned three professional designations: Chartered Financial Planner, Certified Financial Planner and Certified Senior Advisor.

I have several years experience as a Financial Planner and like to develop investment strategies as a hobby.

I work with small groups in my local church.

What do you do?

I partner with clients to build and defend their Financial Fortress.

Why do you do what you do?

My business is driven by these core Business Values:

I believe that the creation and protection of my client's wealth is mandatory to their well being.
I believe my clients need a comprehensive financial plan to properly create and protect their wealth.
I believe my clients will achieve peace of mind if they utilize and implement a comprehensive plan with the guidance and assistance of a financial professional.

These core business beliefs are what shape all my decisions regarding clients.

How do you do what you do?

Step 1 Expertise and preparation
Step 2 Gather and summarize information
Step 3 Prepare and present a Comprehensive Financial Plan
Step 4 Utilize Plan
Step 5 Follow up and review plan as needs change
Step 6 Follow up, follow up, follow up.


Who have you done this for?

Please contact me at 647-800-3859, for references regarding your situation.

What makes you different?

Perspective – I look at things from your perspective and act accordingly.
Wisdom – Years of experience have instilled in me a wisdom that is always available to you.
Ability – My financial management ability will benefit you.
Integrity – In all my dealings with you.
Professionalism – Your needs come before my own.

Why should I do business with you?

Your reasons for doing business with me are highly personal and for you alone.
However, I hope that your reason will be:

Because Bob can provide peace of mind with my investments and security for my family, by showing me how to reduce debt and pay less tax while building my net worth through increasing assets and investment income.

Website Disclaimer

 Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments.  Please read the simplified prospectus before investing.  Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.  There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.  Fund values change frequently and past performance may not be repeated.

Labour Sponsored Investment Funds (“LSIF”) have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.  Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.

An investor proposing to borrow for the purchase of securities should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only.  The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the securities purchased.

Discuss the risks associated with leveraged mutual fund purchased with an investment funds advisor before investing.  Purchases are subject to suitability requirements.  Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only.  If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.

Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally.  This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice.  Please consult an appropriate professional regarding your particular circumstances.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Bob Steven is an investment funds advisor [and may be licensed for the sale of life insurance]. Bob Steven is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased.  Bob Steven will provide the name of the entity being represented when insurance business is conducted.  The sale of insurance products is not the business of or under the supervision of FundEX Investments Inc. and FundEX will not be liable or responsible for such activities.

Investor Privacy Notice

As an organization that collects, uses and discloses personal information, Discover Financial Management is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec) effective January 1^st, 2004. In complying with these laws, it is important that Discover Financial Management provide you with information so that you may fully understand the purposes for which your personal information is collected.

Over the course of your relationship with Discover Financial Management and your investment funds advisor, personal information will be collected in order to administer your mutual fund account. This information typically includes your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number. This information allows for but is not limited to the buying and selling of mutual funds on your behalf, in addition to providing you with reporting and the administration of your account in a compliant and regulatory manner.

At times, Discover Financial Management may be required to provide this information to mutual fund companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies [that perform services on our behalf, use this statement only if you participate in referral agreements]. These organizations, like Discover Financial Management are bound and must comply with the same federal/provincial privacy act(s). Discover Financial Management does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Discover Financial Management will no longer be in a position to provide you with these services. Therefore, by maintaining your account with Discover Financial Management we will consider that you have consented to our collecting, using and disclosing your personal information.

In representing Discover Financial Management, your investment funds advisor is acting on behalf of the mutual fund dealer, FundEX Investments Inc. Your investment funds advisor may also be licensed to sell other products and, therefore may wish to provide you with advice and services in that other capacity. Should they do so, your investment funds advisor will communicate with you directly regarding any additional use or disclosure of your personal information.

If you wish to review or make changes to your personal information you may do so by making a written request to Privacy Officer, FundEX Investments Inc., 25 Centurian Drive, Suite 208, Markham, Ontario L3R 5N8.

Should you have any questions or concerns regarding the use of your personal information we encourage you to speak with your investment funds advisor. Alternatively, you may contact the designated Privacy Officer for FundEX Investments Inc., 25 Centurian Drive, Suite 208, Markham, Ontario L3R 5N8, via fax at 905-305-1698 or via email at compliance@fundex.com.

Will I Be OK?

Partnering With Clients to Build and Defend Their Financial Fortress
 

Offering: Detailed, written Financial Plans for clients. This service is included at no cost so you will know that you will be OK. Specializing in: Individual Pension Plans, Insured Retirement Programs and Investment Planning, Research and Management

Mutual Funds Provided through FundEX Investments Inc.