Our Services:
Independent Financial Service is just like any investment and insurance shop you will come across - we offers a broad range of services, products and plans to meet the diverse needs of our clients. But truth be told - products are pretty much the same no matter who you buy them thru.
Brian Schmidt and Scott Calcutt are both mutual fund and life insurance licensed - so this means we have access to a ton of products from a long list of investment companies, banks, and insurance companies. Way too many to mention them all. What makes us different?
Think of financial products and services like an old fashioned "General Store". Everything we have is up on the shelves behind the counter. There are lots of products back there - insurance products, investment products, bank accounts, planning services, tax advise, mortgages, debt products, etc.... Which is right for you?
Once we have discussed and determined what product or service is right for you - based on your Financial Planning needs - we take it off the shelf and offer it to you. If you decide this product fits your needs and you buy it from us, we will get paid a commission. But you will know that this product or service was not "sold to you". You will know that we took the time to show you how this product or service is really just the implimentation of your Financial Plan.
What's that you say? You don't have a Financial Plan - and just a collection of investments, debts, insurance plans, pensions, etc???
Give us a call! W: 306-359-7705 or Brian's C: 306 530 8823 or Scott's C: 306 536 5324
As a regulatory requirement, we must mention that Independent Financial Services offers the following products and services:
Services
Financial Planning
Retirement Planning
Tax Planning
Estate Planning
Insurance Analysis
Online Portfolio Access (mutual funds only)
Financial Calculators...
Products
Mutual Funds*
GICs***
Disability Insurance***
Life Insurance***
Long Term Care Insurance***
Critical Illness Insurance***
Group Benefits Plans***
Segregated Funds**
* Mutual funds products are offered through Investia Financial Services Inc.
** Segregated funds products are offered through Independent Financial Services and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.
*** Insurance products provided through multiple insurance carriers.
