Holistic, unbiased and tailored financial counselling
in English, Mandarin and Cantonese
Did you ever ask how your financial advisors get paid?
Majority are paid by the commissions for selling financial products to you. What if you don’t need that product? What if the best product for you gives less commission?
Some are paid a fixed percentage of your investment value. Even if the value of the portfolio goes down, the percentage stays the same. Here is the alternative.
Advice-Only Fee-Only
We do NOT sell any financial products or services for other financial institutions.
We do NOT take any form of compensations or incentives from them.
We do NOT charge a percentage of a client’s investment portfolio.
We are only compensated by the hourly or flat fees from our clients.
No conflict of interest! Clients first!
Budgeting & Saving
Help to develop and maintain a budget
Analyze your cash flow and find ways to save more
Develop a spending plan aligned with your goals
Motivate you to stick to your plan
Credit & Debt
Help to understand credit reports, scores, and using credits
Evaluate the level and cost of indebtedness and find ways to reduce interest costs
Create debt monthly payment plan to pay it off faster
Investing
Help to learn investment fundamentals
Assist to understand various investment choices and how to reduce fees and increase return
Discuss strategies to survive a market crash
Help to learn how to manage emotions – key to success
Money Management
Assist in understanding the necessity of an emergency fund (job loss, medical emergencies, major car repairs, major household expenses)
Help to develop better money habits
Assist to work with other financial professionals
Major Acquisition
Help to determine the feasibility of a major purchase including vehicles, education, or a home
Facilitate your consideration of pros and cons of owning or renting a home based on current and future needs and wants
Retirement
Assist you in determining preferred retirement lifestyle
Help to estimate how much is required to retire
Develop plan to achieve retirement financial goals
Help to take advantage of tax‐sheltered retirement accounts
Risk Management
Identify sources of risk (for example: home ownership, income loss, medical expenses, liabilities)
Assist to evaluate insurance needs
Determine risk management strategies
Tax
Familiarize you about basic tax management
Help to determine potential withholding tax adjustments
Discuss ways to maximize deductions and credits
Small Business Finance
Develop cash flow forecast & break-even analysis
Conduct sensitivity analysis to determine pricing impact
Schedule a free consultation
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Worthfy Financial Literacy Counselling 