Not your Typical Financial Planning Firm

 
 
 

Our Approach

Let's start at the beginning.

Every client relationship is unique, but they all start with one thing in common: we want to know everything. Where you came from. Where you are now. Where you want to go next. What you value.

The only way to develop a solid financial foundation is to understand it in all its pieces. Constructive Wealth's signature process is our way to build your financial future collaboratively, piece by piece.

 
 

 
 

Fee-Only Financial Advice

Fee-Only means that the only compensation we receive is from our clients. We openly reject commissions for recommending any products or external services. Our business is to provide purely unbiased financial advice and being fee-only eliminates conflicts-of-interest that are currently present in the traditional financial planning industry.

Placing our clients and their families lives at the center of the relationship, not external agendas, is the most important aspect of our process.

 
 

 
 

Life Forward Planning

Life Forward Planning is a rarity in the financial planning industry. Typically, when you first meet with a planner, you’d get asked about your current investments and debts, and then talk about your retirement goals. You might have even had been asked about your investments then quickly followed up with, "you should come back to talk with us when you have more money invested." As if life only begins at $100,000 in investable assets.

We like questions which focus on you and your family, not just your current balance sheet:

  • What stresses you out about money right now?
  • What excites you most about the future?
  • What are the top things you’d like to accomplish/experience in the next five years? The next decade? In your lifetime?

These are the more impactful questions and we can’t possibly make recommendations without knowing this.

 
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RUSSELL DYCK

I’m Russ and I have obtained the FPSC Level 1© Certificate in Financial Planning. That means I’ve studied and taken a certified exam that proves I’m competent at financial planning. More importantly, I’m someone you can trust to help you make the right financial decisions—for you.

Like most people, I have gone through the ups and downs of financial planning. When I was first faced with decisions regarding work benefits, RRSPs, Pension Plans, TFSAs, insurance, and car loan financing, I was in over my head. I found that even with the help from a traditional financial advisor, I was left confused and still felt I wasn't getting any further ahead. I realized I would need to take the initiative to learn more if I really wanted to achieve my financial goals. To take measures into my own hands, I began late night research, read monotonous books , and took a series of financial planning courses until successfully passing the Financial Planning Standards Council (FPSC) exam.

The knowledge I gained from countless hours of research prepared me to make stress free financial decisions first for myself, and then for friends and family. Seeing the results from the advice I had given is what drove me to begin a career as a financial planner.

 
 
 
 

“I truly believe that when financial knowledge is achieved early in one’s personal and professional life, it creates a stability that cannot be created by anything else.”