AF
Aware Financial
Fachkundige Finanzplanung für Klarheit und Zuversicht in Ihrer Zukunft.
5
Business
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Fachkundige Finanzplanung für Klarheit und Zuversicht in Ihrer Zukunft.
Aware Financial, geleitet von Harvin Pesa, bietet personalisierte Finanzplanung und Beratungsdienstleistungen auf Honorarbasis in Calgary an. Das Unternehmen ist spezialisiert auf Ruhestandsplanung, Anlagenverwaltung und Steueroptimierung und bietet umfassende, unparteiische Beratung, die auf individuelle Ziele zugeschnitten ist. Mit Fokus auf Integrität und Kundenaufklärung hilft Aware Financial seinen Kunden, finanzielle Komplexität zu bewältigen, um langfristige Sicherheit und inneren Frieden zu erreichen.
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Individuell gestaltete Ruhestandspläne, die Einkommensquellen, Ausgaben und Strategien zur Optimierung von CPP/OAS umfassen, um eine sichere finanzielle Zukunft zu gewährleisten.
Personalisierte Finanzberatung und -analyse, einschließlich Investmentmanagement, Steueroptimierung und Zielsetzung für Privatpersonen und Familien.
Umfassende Finanzpläne, die alle Aspekte Ihrer Finanzen abdecken, mit Modellierung und Überprüfungen, um sich an Lebensveränderungen und Ziele anzupassen.
Einmalige oder fortlaufende Beratungen ohne Produktverkauf, die unparteiische Beratung bieten, die auf Ihre spezifischen Bedürfnisse und Anliegen zugeschnitten ist.
Zugang zu einem vertrauenswürdigen Netzwerk von Fachleuten, einschließlich Steuerberatern und Versicherungsagenten, für spezialisierte finanzielle Unterstützung.
Gesamtbewertung
Jacqueline Hersak
I’m so grateful I found Harvin Pesa. He took the time to really listen, ask the right questions, and provide guidance that feels both smart and realistic. His expertise, integrity, and calm presence made a huge difference for me. I would recommend him, without hesitation to anyone seeking clarity and confidence around their finances and retirement needs.
Yuk Sin Oriwol
I have been working with Hervin for a number of years now; starting off with a one-time financial planning and moved on to having him as my financial advisor. He is personal, caring, knowledgable, supportive, responsive without interferring with my ultimate decisions. He is reachable and I know I do not have to chase him down for a response. The operation set up is smooth, without hassels, I get the advice, the management of the assets and the accounting components all taken care of.
Rozalyn Allan
My husband and I (both 60, retired for 6 years) are DIY investors and have always managed our own finances and retirement plan. We have met with fee-for-advice financial advisors in the past to see if we were on the right track, but never got much value out of any of those meetings. Then we met with Hervin. Right off the bat I was impressed with his sincere interest in our financial concerns and goals, his direct and down-to-earth communication style, and the tangible results he promised. We had a couple of lengthy meetings, both online and in person at his Calgary office (as we happen to live in Calgary). We talked about all our goals, from "must have" to "reach for the stars", to see if and how we could accomplish them. Hervin asked on-point questions and had us thinking about things we hadn't previously thought about. I think he was a life coach in a previous life! Hervin took the time to review our very detailed retirement plan (a 10-sheet Excel workbook), pointing out things we could do differently to achieve our goals. He didn't impose his ideas on us, simply pointed out options and let us decide what was best for us. There was no judgement, he just wanted to make sure we were making informed choices, and then he supported us 100%. Hervin then took all our info and ran it through 100's of models to come up with the best plan that fit our exact needs. The final result was a detailed plan, showing our income sources and expenses each year for the rest of our expected lives, including the best age at which we should take our CPP and OAS, one-off expenses like house renos next year and buying a new car in another few years, and moving into a retirement home in our later years. Obviously our goals and timelines will change with the reality of life as time goes by but it gave us an excellent understanding of where we are now, and confidence in our financial future. I would highly recommend Hervin's services to anyone looking for help with a financial plan. I would comment that, because Hervin is so busy, he did forget to get back to me about a few things that I had to remind him about. Not a big deal, but if you don't get something when expected, don't delay, just give him a gentle reminder. But I have already recommended him to a friend, and we plan to meet with Hervin again, maybe every 5 years, to review and update our retirement plan. Very happy clients 😊.
L C
As a designated accountant, I am confident with my financial planning. But life threw us a curve ball a year ago that could have threatened my family’s financial future. So, I decided to talk to a financial planner to ensure my family and I could still achieve our goals despite life’s surprises. I specifically looked for a fee-for-service planner so that I wouldn’t have to worry about being sold products we didn’t need. My first impression of Hervin was that he is easy to talk to and knows his craft. He was able to point out the strengths, weaknesses, misconceptions, and blind spots in my original plan after a thorough analysis. He then outlined more efficient ways to achieve my goals, while minimizing tax, with a customized financial plan for my family. He also leveraged his network of professionals—tax accountants, investment experts, and insurance agents—to ensure that specialized areas were properly addressed. Despite my financial acumen as an accountant, I learned so much throughout our engagement. Hervin was honest, professional, and patient, no matter how unique our needs or questions might have been. He went the extra mile to address concerns that kept me up at night, and that’s what I deeply appreciate of and impressed by Hervin. Thank you so much, Hervin. I wish more people could benefit from your expertise and professionalism. If you’re looking for someone who will prioritize your needs and guide you with integrity and expertise, I highly recommend Hervin. His support has given my family and me renewed confidence in our financial future.
Karl F
Being just two years from retirement, I needed confirmation that our retirement investments would meet our future income needs. Hervin demonstrated exceptional skill in analyzing our various investment streams in the most tax-efficient way possible and provided the reassurance I needed. His friendly personality and approachable manner put us at ease from our first meeting. He generously shares his wealth of knowledge and experience and his passion for his clients' financial well-being is obvious as he explains various financial options. I highly recommend Hervin Pesa for retirement planning advice.
Gerald Toews
We met with Hervin initially in late June and were very impressed with his financial knowledge/skills. We purposely went with a "Fee For Service" advisor as we were not interested in being "sold" products, but rather receive a non-biased review of our finances and future plans. From our first meeting the advice that Hervin provided us, more then paid for the fees charged. Our only regret is that we waited until we were almost retired before consulting him. Hervin was a pleasure to work with and we look forward to managing our plans with him in the future.
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