PLANNING YOUR FINANCIAL SUCCESS

When Deborah Reid started her career in the financial industry, she knew that what would set her apart in this business would be her heartfelt approach and taking whatever time was needed to truly get to know her clients.

Deborah’s success is the result of her genuine caring for others. Her clients feel the instant warmth of her personality and are often greeted with a friendly hug rather than a handshake. Deborah appreciates that solid relationships are built on trust, and she would never take for granted the importance of the role she plays in her client’s lives.

Many depend on Deborah’s listening skills as they share their personal challenges. Deborah understands that life can present unexpected hurdles. She takes time to listen with compassion and provides encouragement, support, and guidance.

Working for a company based on the principle of putting the needs of the client first, Deborah looks not just at the rate of return on investments, but also at the client’s risk tolerance relative to their goals and current quality of life.

“As a financial planner and financial advisor, I help my clients prioritize their goals and provide a customized solution as individual as they are.”

Deborah knows that there is no typical portfolio, and that what makes sense for one person may not be a good fit for others. She proposes solutions that are in alignment with the needs of the individual and by recommending the most cost-effective investments for the client.

Deborah takes a holistic approach with her clients and utilizes Raymond James wealth management team of professionals to address all of their needs. Whether it is a comprehensive financial plan, an estate review, a meeting with an insurance specialist or the services of a trust agent, Deborah can bring the right specialist to her clients.

Deborah believes that successful investing requires a disciplined approach. Far beyond the initial commitment, Deborah invests her time and attention in the individual. She meets face to face with her clients on a regular basis to review and re-balance their portfolios and ensures that every investment decision is based on logic rather than emotion.

It is important to Deborah that clients understand their investments. They can rely on her to educate and provide guidance. She takes the time to explain how the solutions she puts forward fit their risk tolerance and financial objectives. If they cannot make sense of something or if it is too complicated to understand, Deborah believes that it does not belong in their portfolio. She stands by the notion that “informed investors make informed decisions”, and she is committed to educating those who choose to work with her.

It is important to Deborah that investors understand their investments. She takes the time to explain the suitability of her investment recommendations and strategies and how they address the investor’s risk tolerance and financial objectives.

Deborah provides affordable products and services that her clients deserve, while exercising the freedom to make independent decisions based on the client’s needs alone. Raymond James’ investment products include: GICs; Federal, Provincial and Municipal Bonds; Stripped Coupons; Individual Stocks,Exchange Traded Funds (ETFs) and Mutual Funds.

Deborah works with clients who are ready to take their finances seriously and want to move ahead by making good choices and informed decisions for themselves. Women and men alike feel at ease putting their finances in Deborah’s hands. Deborah ensures that she communicates with her clients at their level of knowledge. No question is too elementary for her to address, making her easy and comfortable to work with. 

Family members are also in good hands with Deborah should the need arise to have financial matters and intentions explained, or in the event of illness or death when adult children or loved ones must step in to make decisions. She can facilitate estate planning as well as the transfer of inter-generational wealth. Deborah’s scope of caring includes all aspects of one’s life and family.

Deborah is concerned about protecting her senior clients. She has earned designations such as the CPCA (Certified Professional Consultant on Aging) granted by the Age Friendly Business Academy, the EPC (Elder Planning Counselor) granted by the Canadian Initiative for Elder Planning Studies as well as a certificate of achievement in "Aging and the Law: Professional Issues". She has furthered her education in this area to be able to advocate for the elderly who may be taken advantage of by others, or in the worst case, suffer elder abuse at the hands of someone close to them. Deborah is informed, well-educated, and a gatekeeper, should the need ever arise, to protect her clients’ financial interests.

Deborah places a great deal of emphasis on trust and transparency. She is who she is in all aspects of her life and believes that relationships will not grow without complete transparency. Trust can only develop when there are no surprises. Deborah’s clients complete a Risk Tolerance Questionnaire that forms the basis of the Investment Policy Statement that she prepares for her clients that outlines her understanding of their wants and needs, as well as her services, products, and fee structure. This provides a convenient and detailed reference to refer to should any questions arise.

Working for her clients alongside Raymond James, Deborah makes a difference in people’s lives by helping them harness financial and emotional independence, and by giving them the decision-making confidence one gains from a good relationship with their advisor. Personal empowerment is what it’s all about. Deborah has the team and the tools she needs to support her clients and help them realize their financial goals.