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Serge Robichaud is a bilingual (French and English) monetary advisor who’s presently at Canada Life & Quadrus Investments, the place he gives monetary planning recommendation and manages shopper investments and insurance coverage insurance policies.
Serge not too long ago spoke with Younger Upstarts and shared his insights on what it takes to construct a profitable profession as a monetary planning professional.
Q: Why did you enter the sphere of finance as a profession?
Serge Robichaud: Finance has at all times been like an advanced recreation or puzzle for me. After 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 situations. As a wealth supervisor, I get nice satisfaction from creating tailor-made monetary options which can be as totally different as my purchasers themselves.
Q: How do you steadiness threat and return when serving to purchasers with their investments?
Serge Robichaud: It’s about doing an in depth evaluation of all the present related components primarily based on the person. We then determine a plan primarily based on the current monetary image and decipher what it takes to get to the person’s end line sooner or later. I would like to analyze new funding alternatives, and I additionally take into consideration the distinctive threat appetites of every shopper. Like enjoying chess and predicting strikes. I have to be forward-thinking, in order that their monetary methods are straight according to their ambitions. I hope to succeed in a steadiness between threat and return that propels purchasers towards success.
Q: Do you imagine 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 purchasers to pursue the identical thoughts/physique steadiness. I believe it’s crucial for creating self-discipline and residing an optimum life. I incorporate these philosophies into monetary planning by creating a technique that matches my purchasers’ entire life targets.
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 excellent funding in my private development as an advisor. I recurrently attend monetary planning seminars and hold observe of present occasions. I additionally attempt to concentrate to all sides of my private well-being. This helps be sure that I’m at my greatest each time any purchasers search me out.
Q: What do you anticipate will outline the way forward for monetary planning? What developments 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 individuals 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 targets to teach myself on this topic. I additionally assume the development shall be in the direction of funding that authentically creates long-term worth for society as an entire.
To me, I see this tendency. I’m maintaining abreast of the brand new tech and greatest practices to ensure my purchasers’ pursuits are tailored to future developments and that they will revenue from them. I’m steadily introducing into their portfolios extra superior, forward-looking varieties of economic practices that lifestyle-conscious individuals can dwell with and profit from.
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