FAQ

You can reach us through our website's contact form, by phone, or via email. Our team is ready to assist you with any questions or concerns. 📞 (778) 242-5413 📧 Office@investcofinancial.ca 🔗investcofinancial.ca

We employ industry-leading security measures, including encrypted communications and secure document storage, to protect your personal and financial information.

Investco Financial, is an advisory firm that specializes in Private Wealth Management for individuals, families, and businesses.

Yes, Investco Financial offers remote and virtual consultations for clients who prefer to meet virtually or cannot visit our physical locations. Our advisors utilize secure communication platforms to conduct virtual meetings, share documents, and provide personalized financial advice conveniently and safely.

To find an advisor schedule an initial consultation as the first step and we will pair you with a dedicated advisor to handle your portfolio.

Investco Financial offers a range of services including Personal Financial Consulting, Corporate Consulting, Risk Management, Portfolio Management, Trust & Estate Preservation, Retirement Strategies, Education Funding, and Philanthropic Advisory.

Yes! We offer secure electronic signature (e-signature) options, allowing you to review and sign documents from anywhere — whether you're at home, at work, or traveling. It's fast, convenient, and legally recognized, so you can keep your financial plans moving forward without delay.

Yes, we provide secure online access to your accounts, allowing you to monitor your investments, view statements, and manage your financial information at your convenience.

Our services are tailored for high-net-worth families, business owners, executives, and individuals seeking comprehensive financial guidance. Whether you're planning for retirement, managing investments, or navigating life transitions, we're here to support you.

We assess your goals, time horizon, risk tolerance, and financial situation to create a diversified portfolio designed to grow your wealth while managing risk appropriately.

We conduct annual reviews and check in after major life changes—such as a new job, home purchase, or family milestone. You can also request a review at any time.

Absolutely. We encourage ongoing communication and are always available to answer questions, address concerns, or adjust your plan as needed.

We combine personalized service with a comprehensive approach — integrating financial planning, investment strategy, and insurance protection into one streamlined experience. We’re with you every step of the way.

This is where we take the time to understand what truly matters most to you. We explore your values, goals, lifestyle, and financial priorities — laying the foundation for a strategy that’s built around your life, not just your money.

Underwriting is the process insurers use to evaluate risk before issuing a policy. It determines your eligibility, premium, and coverage. Our team works closely with you to ensure the process is transparent and stress-free.

Based on your unique needs and goals, we provide customized strategies covering investments, insurance, retirement planning, and tax optimization. Each recommendation is clearly explained and tailored to your priorities.

If you choose to move forward with a recommended product (e.g., insurance or investment accounts), we guide you through the application process. For insurance, this may include a medical or financial underwriting process, which we manage on your behalf to keep things smooth and simple.

Once your strategy is in place, we provide continuous management and support. This includes monitoring your investments, adjusting strategies when needed, and keeping you informed through regular reviews and check-ins.

Simply contact us to schedule an introductory consultation. We'll discuss your financial needs and determine the best way we can support your goals.

We offer both options. You can meet with us in person or virtually, and we support electronic signatures and secure document sharing, so you can move forward no matter where you are.

Discovery (Understanding what matters most to you) Planning (Crafting a personalized strategy) Asset allocation (Putting your plan into action) Management (On going guidance and adjustments)

This step involves a detailed review of your current income, expenses, assets, liabilities, and existing financial products. We identify any gaps or opportunities to help you reach your goals more effectively.

Asset allocation is how your money is divided across different types of investments (e.g., stocks, bonds, cash, alternatives). It’s the step where we put your plan into action — balancing growth potential with risk to match your objectives.

In the planning stage, we design a personalized financial strategy tailored to your needs and goals. This could include recommendations around investments, insurance, retirement, tax planning, and estate considerations.

You can expect proactive communication, personalized advice, and a long-term partnership. We’re here to guide you through every stage of life — from building wealth to protecting it and ultimately passing it on.

We start by understanding what matters most to you — your family, your business, your long-term goals. Then, we use a structured discovery and planning process to create a personalized strategy that reflects your risk tolerance, tax situation, and life stage.

Not necessarily. While we work with many high-net-worth clients, our focus is on intentional planning, not just account size. If you’re committed to building or preserving wealth, we can help.

We review your financial plan annually, or sooner if your life changes significantly (e.g., job change, marriage, inheritance). We also monitor markets and legislation so we can proactively adjust your strategy if needed.

Our service includes: Retirement planning Investment management Tax-efficient strategies Insurance and risk management Estate and legacy planning Business succession planning Charitable giving and philanthropy

Tax efficiency is a core part of our approach. We consider registered vs. non-registered accounts, capital gains strategies, income splitting, and estate taxes to help reduce your tax burden and preserve more of your wealth.

Wealth management is a comprehensive service that combines financial planning, investment management, insurance solutions, retirement strategies, and more. Our goal is to help you grow, protect, and transition your wealth in a way that aligns with your goals, values, and lifestyle.

Yes. We act in a fiduciary capacity when required and always provide advice that is aligned with your best interests. Our recommendations are based on your needs, not product sales.

We manage risk through proper asset allocation, diversification, and aligning your portfolio with your long-term goals. We also take tax implications, liquidity needs, and market volatility into account when designing your investment strategy.

Absolutely. We often collaborate with your accountant, lawyer, or business advisor to ensure your financial strategy is well-integrated across all areas of your life.

Critical Illness Insurance pays a lump-sum benefit if you're diagnosed with a serious illness such as cancer, heart attack, or stroke. This benefit can be used for medical care, debt repayment, or everyday expenses.

Term Life Insurance provides coverage for a specific period and is often more affordable. Permanent Life Insurance (such as whole or universal life) offers lifelong coverage and may include a cash value component that grows over time.

We offer a comprehensive range of insurance solutions, including: Life Insurance Disability Income Insurance Health & Dental Insurance Critical Illness Insurance Mortgage Insurance Travel & Super-visa Insurance

Life Insurance provides a death benefit to your beneficiaries upon your passing, helping to cover expenses and replace lost income.

Mortgage insurance pays off your mortgage in the event of death, disability, or critical illness, helping protect your family's home and financial security.

Insurance protects your financial commitments, ensures your family's standard of living, covers death-related expenses, and allows you to leave a legacy.

Yes. We work with you to tailor your coverage based on your financial needs, life stage, family situation, and business responsibilities.

Yes. Products like segregated funds offer the benefits of both investing and insurance, providing market exposure with capital protection and estate planning features.

Disability Income Insurance provides a monthly income if you become unable to work due to illness or injury. It helps cover living expenses so you can maintain your lifestyle while recovering.

Travel and Super Visa Insurance provide medical coverage for travelers and those visiting Canada under the Super Visa program. It ensures emergency medical costs are covered during the visit.

A Segregated Fund is an investment product that combines the growth potential of mutual funds with insurance benefits, such as creditor protection and death benefit guarantees.

We conduct regular reviews of your portfolio to ensure it remains aligned with your financial objectives and make adjustments as needed based on market conditions and life changes.

Our approach involves strategic planning, asset allocation, and active portfolio management. We assess your risk tolerance, time horizon, and financial goals to create a personalized investment strategy. Regular reviews and adjustments ensure your portfolio remains aligned with your objectives.

Our advisors will work with you to understand your financial goals, risk tolerance, and time horizon to recommend the most suitable investment options for your needs.

Mutual Funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, managed by professional portfolio managers.

Fees vary depending on the investment product and the services provided. Our advisors will provide a clear breakdown of all fees associated with your investments to ensure transparency.

GIFs are fixed-income investments that offer a guaranteed return over a specified period, providing principal protection and predictable income.

We provide a diverse range of investment products, including: Segregated Funds ETF Portfolios Mutual Funds Guaranteed Interest Funds (GIFs) Private Portfolios

Asset allocation is the process of dividing your investments among different asset classes (e.g., equities, fixed income, cash) to balance risk and return according to your investment goals.

Exchange-Traded Fund (ETF) Portfolios are collections of ETFs that provide diversified exposure to various asset classes, typically at a lower cost than mutual funds.