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FAQ


Question: What is Continuum II's specialty?

Answer: We are a premier financial services and employee benefits firm serving business owners, professionals, executives and retirees in the GTA with investable assets of $100,000+. We help provide financial well-being for today and tomorrow assisting to make your dreams a reality.


Question: Do you offer tax or legal advice?

Answer: We have strategic partnerships with Lawyers and Accountants who provide our clients with tax or legal advice if needed upon request.


Question: How do Investment Advisors get paid?

Answer: Investment management client fees are deducted from the client's investment account directly by the custodian based on the type of fee. Financial planning fees are billed to the client and are typically paid by cheque.


Question: Do you work with clients remotely?

Answer: Yes, on a case-by-case basis. If interested, please contact us via our contact page.


Question: What % of payroll, do employers typically contribute to benefits plans including health, dental and retirement, and how much should the employees be contributing?

Answer: Employers typically contribute 25% however, the norm is to split the costs 50-50 with the employees. This ensures the employees have an interest in keeping costs down.


Question: Am I paying too much for the benefit plan I currently provide for my employees?

Answer: Our Employee Benefits Continuum Advantage™ process will ensure that we test the market to see if your benefits are competitive and fulfilling the needs of your employees


Question: Is my benefits package better or worse than my competition offers?

Answer: Our Employee Benefits Continuum Advantage™ process will ensure that you have the most attractive benefits package available built to your company’s unique specification that fits within your budget.


Question: What benefits are mandatory within a group benefits plan? What options can we exclude and still have a competitive plan?

Answer: All plans must include a base life insurance benefit including AD & D, along with 2 other options such as health and dental. You can customize your plan to your specific requirements.  Our Employee Benefits specialist can help you build the optimal plan for your business.


Question: Does everyone at our company need to participate in the plan?

Answer: Generally everyone should be included. Some providers have a mandatory percentage of participants that must be on the plan, based on the size of your company.


Question: As my broker, will you provide us with the actual claims and rates experience provided by the carrier?

Answer: We always show all claims, rates and renewal information to you, exactly as the insurance carrier provides to us.  We believe in full transparency!



Question: Why is it important to deal with a CFP professional?

Answer: Most provinces (exceptions: BC and QC) do not regulate the use of the term “financial planner.” CFP certification is your assurance that your planner has completed a rigorous course of study approved by FPSC, passed the only independently developed national comprehensive examination for financial planning (the pass rate is approximately 40%), and is committed to ongoing professional development and adherence to the professional CFP Code of Ethics and CFP Financial Planning Practice Standards developed and enforced by FPSC.


Question: What do the letters “CFP” mean?

Answer: The letters “CFP” stand for Certified Financial Planner®. The CFP marks identify individuals who are dedicated to the highest level of professionalism in providing financial planning advice. CFP certification is a way for you to know that the planner adheres to internationally recognized professional standards of competence and ethical practice as set in Canada by the not-for-profit Financial Planners Standards Council (FPSC). CFP professional standards include requirements in education, examination, experience and ethics.


Question: How did the financial services industry in Canada develop to where it is today?

Answer: Historically, there were distinct divisions in the services offered by the various industry players. You saved your money or got a loan from a bank. You purchased stocks and bonds from a broker. You bought insurance from an insurance agent. And you bought mutual funds from a mutual funds sale rep. But the traditional "4 pillars" of the financial services industry have blurred, and what we are seeing is the one-stop shop - a convergence where most of your financial services and products can be obtained through most financial institutions.


Question: How can I be certain my financial planner is a CFP professional?

Answer: Look for the distinctive CFP certification marks: CFP flame logo, and acronym “CFP” or the words “Certified Financial Planner”. Only FPSC can authorize an individual to use these marks in Canada. You can also check the CFP Professionals in Good Standing directory at www.fpsc.ca, or call FPSC at 416.593.8587 or 1.800.305.9886 to verify a planner’s status.



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