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Choosing the Right Investment Advisor: An Essential Step on the Road to Financial Freedom

Choosing the Right Investment Advisor: An Essential Step on the Road to Financial Freedom

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Choosing the Right Investment Advisor: An Essential Step on the Road to Financial Freedom

95 pagine
52 minuti
Oct 26, 2011


If you met your investment advisor at a party or hired him because he coaches your sons hockey team, you may not have researched his credentials, ethics, and financial performance. Dont be afraid to correct the situation. If you are seeking to hire an investment advisor, either for the first time or to replace your current one, equip yourself with the knowledge you need to make the right choice.

Author Carol A. Santamaura, an investment advisor, specializes in growing wealth for investors. The principles she shares in this guidebook focus on Canada but can be ap-plied anywhere. They include how to under-stand what kind of investor you are, avoid psychological pitfalls of investing, interview investment advisor candidates, and cultivate a successful relationship with your advisor.

Take off your blinders so you can see past the charismatic salesperson with the convincing pitch. By balancing short- and long-term objectives and investing in an efficient manner, you can achieve your financial goals. It all starts with Choosing the Right Investment Advisor.

Oct 26, 2011

Informazioni sull'autore

CAROL A. SANTAMAURA graduated from McGill University with a degree in economics. She has provided investment advice to high net worth clients since 1994 and is a vice president of a leading Canadian full-service brokerage firm. Her credentials include the Canadian Securities Course, Canadian Investment Manager, Registered Options Representative, and Portfolio Manager. She lives in Toronto.

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Choosing the Right Investment Advisor - Carol A. Santamaura


Copyright © 2011 CAROL A. SANTAMAURA

All rights reserved. No part of this book may be used or reproduced by any means, graphic, electronic, or mechanical, including photocopying, recording, taping or by any information storage retrieval system without the written permission of the publisher except in the case of brief quotations embodied in critical articles and reviews.

The material in this publication is provided for informational purposes only. Given the evolving financial services landscape, regulatory requirements will change. This book is sold with the understanding that neither the publisher nor author is providing professional advice in this book—the content is intended to provide information and general guidelines only. It is always recommended that professional advice and support be obtained before acting on any information contained in this book.

iUniverse books may be ordered through booksellers or by contacting:


1663 Liberty Drive

Bloomington, IN 47403

1-800-Authors (1-800-288-4677)

Because of the dynamic nature of the Internet, any Web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

Any people depicted in stock imagery provided by Thinkstock are models, and such images are being used for illustrative purposes only.

Certain stock imagery © Thinkstock.

ISBN: 978-1-4620-5214-1 (sc)

ISBN: 978-1-4620-5216-5 (hc)

ISBN: 978-1-4620-5215-8 (e)

Printed in the United States of America

iUniverse rev. date: 10/21/2011




What Kind of Advice Do You Need?


Psychology 101:

What Kind of Investor Are You?


Understanding Risk


Psychological Pitfalls to Investing


Interviewing Candidates


To Fee or Not to Fee: Understanding Costs


How to Evaluate Performance


Making It Work: Forming Realistic Expectations


Keys to a Successful Relationship


The Financial Services Industry in Canada


Advisor Credentials and Designations




The principles outlined in Choosing the Right Investment Advisor: An Essential Step on the Road to Financial Freedom are directed primarily toward Canadian investors whenever referring to the banking system, regulators, and industry-related terminology.

However, the general content, as it relates to due diligence and good judgment, is universal.

To my clients: thank you for allowing me the privilege of earning your trust and confidence.

Investigate before you invest.

—attributed to Arthur Doyle Cobban (1895–1945)

All of the author’s profits from the sale of this book will be donated to Princess Margaret Hospital, in honour of Jill Max.

About Princess Margaret Hospital

Toronto’s Princess Margaret Hospital and its research arm, the Ontario Cancer Institute, have achieved an international reputation as global leaders in the fight against cancer. Clinical and research staff at PMH represent many of the world’s leading experts, with specialties including surgical and radiation oncology. With each patient case, PMH combines state-of-the-art diagnosis and treatment with compassion and care. Our vision is to Conquer Cancer in Our Lifetime. For more information, please visit


Choosing the right investment advisor to help you with your finances is not a decision to be made lightly. Along with your health, family, and work, your financial well-being is one of the most important aspects of your life.

So, naturally, I am intrigued by the process used by individuals, families, and companies to select their advisors. Over the years, I have heard many investors discuss this topic. When I ask prospective clients and high–net worth investors how they selected their current advisors, I expect their answers to be based on the level of due diligence that a responsibility of this magnitude requires: quantitative criteria such as credentials, ethics, or returns. To my surprise, I am often answered with remarks like, I met him at a party or he coaches my son’s soccer team. One prospective client boasted that her advisor had been a professional athlete! On the other hand, I have met knowledgeable professionals over the years with sound investment management practices who have not succeeded in the industry. Investment management as a career can be highly lucrative. The more clients an advisor services and the more assets under his administration, the more money he makes. So how do you see past the charismatic salesman

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