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Serge Robichaud is a bilingual (French and English) monetary advisor who’s at present at Canada Life & Quadrus Investments, the place he supplies monetary planning recommendation and manages consumer investments and insurance coverage insurance policies.
Serge lately spoke with Younger Upstarts and shared his insights on what it takes to construct a profitable profession as a monetary planning knowledgeable.
Q: Why did you enter the sector of finance as a profession?
Serge Robichaud: Finance has at all times been like a sophisticated recreation or puzzle for me. Once I was finding out on the College of Moncton, I felt that every monetary idea was a jigsaw piece ready to be understood and fitted into place. This ardour grew into an ambition to resolve not solely my private puzzles, however everybody else’s too. At first, I held numerous jobs coping with cash in main banks, and each till now has added a brand new perspective on how issues may work in several markets and circumstances. As a wealth supervisor, I get nice satisfaction from creating tailor-made monetary options which might be as totally different as my shoppers themselves.
Q: How do you stability danger and return when serving to shoppers with their investments?
Serge Robichaud: It’s about doing an in depth evaluation of all the present related elements based mostly on the person. We then determine a plan based mostly on the current monetary image and decipher what it takes to get to the person’s end line sooner or later. I want to research new funding alternatives, and I additionally bear in mind the distinctive danger appetites of every consumer. Like taking part in chess and predicting strikes. I should be forward-thinking, in order that their monetary methods are immediately in keeping with their ambitions. I hope to succeed in a stability between danger and return that propels shoppers towards success.
Q: Do you consider in a holistic funding philosophy?
Serge Robichaud: A balanced way of life defines my very own philosophy. I place a giant emphasis in my private life on staying match by means of train and sports activities. I attempt to encourage my shoppers to pursue the identical thoughts/physique stability. I feel it’s essential for creating self-discipline and dwelling an optimum life. I incorporate these philosophies into monetary planning by creating a technique that matches my shoppers’ complete life objectives.
Q: What steps have you ever taken to advance your expertise throughout your profession?
Serge Robichaud: I’ve pursued the Chartered Monetary Analyst designation, which has been an important funding in my private development as an advisor. I recurrently attend monetary planning seminars and maintain observe of present occasions. I additionally attempt to concentrate to all sides of my private well-being. This helps make sure that I’m at my greatest each time any shoppers search me out.
Q: What do you count on will outline the way forward for monetary planning? What tendencies do you see on the horizon, and the way do you anticipate having to adapt?
Serge Robichaud: I’m unsure if that’s a rabbit gap or a wormhole! The interactions between rising applied sciences and persons are being deepened by the efficient and widespread software of AI.
To maintain up with these adjustments, I’ve made it a pillar of my long-term enterprise objectives to coach myself on this topic. I additionally assume the development will likely be in the direction of funding that authentically creates long-term worth for society as a complete.
To me, I see this tendency. I’m conserving abreast of the brand new tech and greatest practices to ensure my shoppers’ pursuits are tailored to future developments and that they’ll revenue from them. I’m step by step introducing into their portfolios extra superior, forward-looking varieties of economic practices that lifestyle-conscious folks can dwell with and profit from.
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