Important Questions and Answers about Sharon Rizzuto.

What is Sharon’s role as a Financial Advisor?
How is Bick Financial Security Corporation positioned in the Financial Planning & Services industry?
What Services does Sharon offer?
Who can benefit most from Sharon and Bick Financials services?
How much money do you need to become a client and start a Financial Planning program?
What is a Financial Plan?
How much does Sharon charge for developing a plan for you?
If Sharon develops a financial plan with me am I obligated to purchase any of the products she may recommend to meet my needs?
Will all of the information we share be kept confidential?
Once you become a client what kind of on-going relationship can you expect?
What are Sharon’s qualifications?
How can I get started with Sharon?

Q. What is Sharon’s role as a Financial Advisor?
A. To begin with a Financial Advisor is a fiduciary who has a duty of undivided loyalty firstly and foremost to her clients. This requires that all clients be dealt with honestly and fairly keeping their needs and requirements first and foremost.

Q. How is Bick Financial Security Corporation positioned in the Financial Planning & Services industry?
A. Bick Financial is a firm combining comprehensive Financial Planning services (such as retirement, tax, investment and estate planning) with a complete product range.
We are a Mutual Fund licensed firm and as such can deal in all related products. As well we are fully licensed to deal in insurance products including segregated funds, life and disability insurance.

Q. What Services does Sharon offer?
A. Sound financial advice regarding taxes, investments, insurance, estate planning, pension plan options, severance packages, RRSP’s, RRIF’s, and RESP’s, as well as general financial planning matters.

Q. Who can benefit most from Sharon and Bick Financials services?
A. Any one who wishes to plan prudently for their financial future or who has financial, tax, or investment problems. Furthermore individuals who desire more sophisticated levels of financial, tax or investment planning services than they are receiving from their other advisors may find our programs appealing.

Q. How much money do you need to become a client and start a Financial Planning program?
A. There is no minimum or maximum dollar requirement only a desire to enhance your present financial well being. Sharon recognizes that persons from all walks of life have financial needs and dreams.

Q. What is a Financial Plan?
A. It begins with an overall review of your financial situation. We then take into account your goals and objectives focusing on areas such as asset management, estate planning, risk management, and retirement planning. From there we develop a plan which analyzes and recommends ways that you can achieve your financial goals and dreams. It does not judge your financial choices to date nor dictate terms and conditions for the future. It is your plan your future Sharon simply helps you determine the direction in which you wish to head and helps determine the best path to use to get there. This plan then becomes an evolving document which changes/grows along with changes and/or growth in your life over time. This document allows Sharon to ensure she is meeting your financial requirements.

Q. How much does Sharon charge for developing a plan for you?
A. There is no hourly rate fee or consultation fee. The planning services are part of the overall service Sharon provides to her clients, as it ensures that she can provide you the highest level of service you deserve and aims to provide.

Q. If Sharon develops a financial plan with me am I obligated to purchase any of the products she may recommend to meet my needs?
A. ABSOLUTELY NOT!! In order for the relationship with Sharon to be successful a high level of mutual trust must exist between us without that one or both of us will end up disappointed possibly thwarting our success. Sharon will not enter into a relationship in which she feels success is not attainable nor should you.

Q. Will all of the information we share be kept confidential?
A. ABSOLUTELY!! That is the law and something Sharon is VERY careful about.

Q. Once you become a client what kind of on-going relationship can you expect?
A. Sharon offers ongoing service, periodic reviews, day-to-day consultations as either of you determines is necessary, seminars and other events. Her objective is to stay in close contact with you.

Q. What are Sharon’s qualifications?
A. She graduated from McMaster University (Hamilton) with a Bachelor of Commerce degree and achieved the distinguished CFP certification in January of 2000. Sharon is fully licensed in Life and Disability Insurance and has been in this industry since 1996. Prior to entering the Financial Planning field she had a career in the banking industry.

Q. How can I get started with Sharon?
A. Contact her at the above telephone or fax number or by e-mail. Tell her your need or problem and she’ll let you know if and how she can be of assistance to you without any obligations.