Stephen Pagliaroli, CFP, CLU, RHU

Stephen has been involved in the family business of financial advising for over ten years, starting out as an assistant to his father, Joseph Pagliaroli. Stephen has been an independent financial advisor for eight years.  After successful achievement and completion of the industries recognized designations such as the Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) and the Registered Health Underwriter (RHU), the designations have furthered his knowledge in the ongoing assistance in guiding clients to better financial decision-making, estate planning, as well as business succession and future planning. 

Taking a needs-based approach and compliance-friendly work ethic, Stephen exemplifies a high level of service with exceptional care while maintaining the best interest of his clients.  Sound financial advice to compliment the knowledge and expertise, Stephen is a board member of Advocis (The Financial Advisors Association of Canada) of the Peel-Halton Chapter to be more involved with the development and evolution of the financial services industry.

Company Strategies & Services:

Commitment to servicing our client's with the highest level of objectivity and integrity while uncovering specific financial needs.  A detailed analysis of each situation is key in determining and exposing needs, initiating a plan, executing and maintaining the plan structure.

Life can change in a moment.  Continuous change, whether anticipated or not, can alter a plan.  It is crucial to understand that life changes can being about needed alterations to a plan.  These are key points to recognizing the necessity to monitoring or updating a plan, and, under some circumstances, the need for a contingency plan.

Our strategies are consistent with our attributes mentioned in our KEY COMPONENTS, they include the following steps:


Analysis:

Uncovering facts on clients is arguably the most important step in the planning process. True fact-finding may be time-consuming in some cases, however, very necessary to obtaining accurate information rather than inaccurate assumptions. Acquiring the proper information gives a snapshot of the current financial position.

Establish Needs:

Client needs are those shortfalls, gaps and other area’s that may need attention such as short and long term debts, or allocation of assets. With proper exploring, needs are often easily identifiable. However, may be costly and difficult to satisfy, depending on the type of need. The key is to first identify the need, and determine whether it is an immediate need or one that should be revisited at a later date.

Strategic Implementation of the Plan:

Implementing the plan is equally as important to the process as identifying the need. The key factors to implementing the plan are dependent on the stage of life and other financial aspects, such as assets, family members, and earning an income.

Allow for changes & deviations in the future:

A plan seldom goes exactly to schedule; therefore, it is necessary to be proactive in handling any emergencies as well as obstacles that may come up in the course of the plan.

Develop a Contingency Plan:

Having a plan ‘B’ is crucial to the overall results to be achieved, just as important as the original plan. Development of a contingency plan could save individuals and families from catastrophe, foreseeing the possibility of a tragic event and the devastating impact on goals and objectives.

Not knowing what obstacles may come up in life, the proper approach of a pro-active plan along with the understanding and anticipation of the “what if’s” will remain an effective tool for future years.

Monitoring & Reviewing:

Every plan needs a periodic review. It is recommended at minimum on an annual basis to have a meeting and revise the overall plan with consistent monitoring of plan details to maintain focus on set goals and objectives.