Client Tools & Advise

Process + Strategies

At Rubinstein Financial Management, we start with a personalized process. We identify our client's priorities and goals.

We listen.

Typically, we spend a considerate amount of time planning our current day-to-day life: our workdays, vacations, necessities, and even big purchases like buying a car or a home. However, we often forget the most important plan of all… developing an investment strategy that goes beyond today and into retirement.

That's why we feel it is a necessity to design a plan, or as we like to call it, a road map' that is custom-built for you. We do not follow a 'cookie cutter' attitude. Our approach is to be proactive, not reactive. We are disciplined to help you stay on track to reach your goals. Whatever phase of life you're in, not just for retirement, we are here to reassure you that you are not alone. We will create a partnership by working together.

There are several investing strategies we use, but I think the best way to describe our approach is through pies:

We like to create a pie chart and make sure that each piece of the pie is sliced with an equal allocation, balance, growth, specific management style, and sector understanding.
If we don't add the right ingredients, the pie won't be good.
We understand that in today's investment world, fees have become a significant topic. At Rubinstein Financial Mgmt., we are transparent and explain how the management fees work (MER).
Having a professionally managed fund is added value, where we can pick up the phone and talk directly to the manager.
Our team consistently monitors and reviews your accounts; we will sit down and review with you and your roadmap at each meeting. We will determine if any changes are necessary, and we will track our progress.
As with any level of financial planning, the earlier you start - the better, but no matter what your age or stage in life, you can benefit from financial advice.

Things that Rubinstein Financial does:

Employee benefits, Family, Inheritance's planning, Investment advice, Life insurance, Retirement, and Succession Planning.
Rubinstein Financial serves beyond the lower mainland. We have clients from Dawson Creek to the interior.

Why use Rubinstein Financial?
Studies show that people who use advisors have approximately 4.2 times more financial assets than people who don't. We're there to keep you on track and to help you avoid making emotional, financial decisions even during periods of market volatility.

Professional Partnership
Investia:

Who is Investia Financial Services Inc.?
Investia has been looking after your financial peace of mind for over 20 years and makes every effort to adhere to the highest industry standards. To that end, we foster a relationship of trust between the company, its representatives, and its clients. As a national mutual fund dealer, Investia offers a wide range of mutual funds available in Canada through its network of representatives to meet the savings and retirement needs of Canadian investors.

OUR FAMILY

Investia Financial Services Inc. is a wholly-owned subsidiary of Industrial Alliance, Insurance and Financial Services Inc., a life and health insurance company founded in 1892, now operates under the trade name "iA Financial Group." Industrial Alliance stock is listed on the Toronto Stock Exchange under the ticker symbol IAG. Industrial Alliance is among the 100 largest public companies in Canada. Having a partner you can trust is essential in the financial services industry. At iA Financial Group and Investia, our fundamental values are stability, longevity, and teamwork.

We have access to the world's largest fund companies that we mostly deal with:

Dynamic Mutual Funds, IA Clarington, Invesco, Desjardin (Responsible Investing), but we have the ability to deal with any fund companies in Canada.

Insurance Companies mostly deal with:
Industrial Alliance (IA), BMO Insurance, Man life, but we have the ability to deal with any insurance company in Canada

Financial Calculators