Six years ago, with the global financial collapse, the imbalance in numbers between the 90,000,000 retiring boomers in Canada and the US and the supply (less than 10,000 in Canada) of professionally designated financial planning retirement advisors in both lifetime capital and income preservation and asset growth captured my attention.
Given the seismic financial impact of the 2008 financial meltdown for boomers and others I concluded that a collaborative solution based upon real time social media web 2.0 digital access to unbiased (fiduciary based) financial retirement planning professional practitioners was essential to solve the imminent 30 - 40 year lifetime sustainable retirement income needs of Canadian boomers .
The discipline in my financial consulting practice derives from my formal education and corporate responsibilities in structural engineering within the structural steel industry and my corporate and entrepreneurial initiatives in the financial services sector including my insurance industry manpower and agency development leadership roles.
My financial services industry experience includes innovative cross channel distribution growth leadership, training, education, knowledge, skill, experience and successful execution in corporate sales development, agency manpower productivity and exponential corporate growth.
My objective is to make available my professional discipline and experience using my skills in client engagement, solutions analysis, sales growth, collaborative team building, manpower productivity development and real time communication by 'Raising The Bar' through professional practice.
Industry Association Leadership
Life Insurance Managers' Association of Canada (LIMAC)
President (Elected) Canada
Vice President (Elected) Canada
Secretary Treasurer (Elected) Canada
President (Elected) Toronto Chapter
Vice President (Elected) Toronto Chapter
Specialties:*Professional Engineers Ontario (P.Eng.)
*Certified Financial Planner (CFP)
*Chartered Financial Consultant (CH.F.C.)
*Chartered Life Underwriter (CLU)
*Chartered Financial Services Broker (CFSB)
Given the seismic financial impact of the 2008 financial meltdown for boomers and others I concluded that a collaborative solution based upon real time social media web 2.0 digital access to unbiased (fiduciary based) financial retirement planning professional practitioners was essential to solve the imminent 30 - 40 year lifetime sustainable retirement income needs of Canadian boomers .
The discipline in my financial consulting practice derives from my formal education and corporate responsibilities in structural engineering within the structural steel industry and my corporate and entrepreneurial initiatives in the financial services sector including my insurance industry manpower and agency development leadership roles.
My financial services industry experience includes innovative cross channel distribution growth leadership, training, education, knowledge, skill, experience and successful execution in corporate sales development, agency manpower productivity and exponential corporate growth.
My objective is to make available my professional discipline and experience using my skills in client engagement, solutions analysis, sales growth, collaborative team building, manpower productivity development and real time communication by 'Raising The Bar' through professional practice.
Industry Association Leadership
Life Insurance Managers' Association of Canada (LIMAC)
President (Elected) Canada
Vice President (Elected) Canada
Secretary Treasurer (Elected) Canada
President (Elected) Toronto Chapter
Vice President (Elected) Toronto Chapter
Specialties:*Professional Engineers Ontario (P.Eng.)
*Certified Financial Planner (CFP)
*Chartered Financial Consultant (CH.F.C.)
*Chartered Life Underwriter (CLU)
*Chartered Financial Services Broker (CFSB)
Experience
Toronto, Canada Area
CORPORATE FINANCIAL CONSULTING
*Capital Risk Management
*Sustainable Lifetime Income
*Strategic Wealth Management
Financial retirement solutions focussed on sustainable lifetime retirement capital and income preservation through comprehensive personal, business, estate and succession planning within the investment and life insurance sectors of the financial services industry.
Agency manpower growth specialists in Advanced Life Insurance Applications, Estate Planning and Retirement Solutions
*Capital Risk Management
*Sustainable Lifetime Income
*Strategic Wealth Management
Financial retirement solutions focussed on sustainable lifetime retirement capital and income preservation through comprehensive personal, business, estate and succession planning within the investment and life insurance sectors of the financial services industry.
Agency manpower growth specialists in Advanced Life Insurance Applications, Estate Planning and Retirement Solutions
Principal
FIRST FINANCIAL CONSULTING GROUP
Toronto, Canada Area
The provision of real time social media web 2.0 digital direct access to professionally designated and experienced comprehensive financial retirement planning advisors for the 1,000,000 Canadian boomers now retiring and 13,000,000 to follow over the next 18 years is our imperative. 90,000,000 North American boomers are preparing to retire - many in financial distress. The national and personal economic impact of a failure to solve this boomer financial need is second only to the financial distress 47,000,000 Americans face without healthcare. The boomers are seeking open and direct dialogue, professional competency, transparency and integrity of purpose....a concise definition of professional practice. We are professionally committed to, focussed on and capable of solving this financial breakdown of "The American Dream".
FOCUS:
In order to serve the real time access needs of boomers now retiring, we are enhancing the growth, productivity, compliance and retention of high performance financial services professional practitioners through a contemporary web 2.0 social media web based demand/distribution paradigm.
We are developing a financial services social networking platform initiative to identify and vet Canada's best and brightest professional financial advisors and then connecting them directly to the burgeoning market of critically underserved boomers who are ready to retire - and simply can't.
A REAL TIME MARKETING/DISTRIBUTION PARADIGM
We have adapted the distribution paradigm to accelerate real time boomer access to contemporaries collaboratively on an interactive web 2.0 social media based platform. Boomers who are actively engaged in their own retirement planning can compare notes and then have access to the best and brightest professional financial practitioners in Canada - professionally designated and qualified through their experience to assist the boomers in arriving at a specific solution to each of their unique retirement lifetime
FOCUS:
In order to serve the real time access needs of boomers now retiring, we are enhancing the growth, productivity, compliance and retention of high performance financial services professional practitioners through a contemporary web 2.0 social media web based demand/distribution paradigm.
We are developing a financial services social networking platform initiative to identify and vet Canada's best and brightest professional financial advisors and then connecting them directly to the burgeoning market of critically underserved boomers who are ready to retire - and simply can't.
A REAL TIME MARKETING/DISTRIBUTION PARADIGM
We have adapted the distribution paradigm to accelerate real time boomer access to contemporaries collaboratively on an interactive web 2.0 social media based platform. Boomers who are actively engaged in their own retirement planning can compare notes and then have access to the best and brightest professional financial practitioners in Canada - professionally designated and qualified through their experience to assist the boomers in arriving at a specific solution to each of their unique retirement lifetime
DANIEL H. ZWICKER, CFP - CERTIFIED FINANCIAL PLANNER
Toronto, Canada Area
PERSONAL FINANCIAL CONSULTING
We provide financial solutions which guarantee the lifetime preservation of capital and income.
Our principal focus is the financial assurance of the 2nd 30 - 40 years of a client's lifetime during retirement
We provide financial solutions which guarantee the lifetime preservation of capital and income.
Our principal focus is the financial assurance of the 2nd 30 - 40 years of a client's lifetime during retirement
PRINCIPAL
FIRST FINANCIAL CONSULTING GROUP
Toronto, Canada Area
CORPORATE CONSULTING
Contracted to redesign contemporary distribution platform of a 135 year old fraternal benefit society - a member-based insurance organization - with a rich history of investing in the financial security of its members and sharing with the communities in which they live.
Contracted to implement a financial needs analysis software program for a leading global financial services institution. 5,500 advisors across Canada were trained using real time web based communications platforms.
Contracted to provide fee for service unbiased client investment portfolio performance oversight based upon investor's benchmarks. Focus is a sustainable (no shortfalls) 30 - 40 year lifestyle retirement income.
Contracted to redesign contemporary distribution platform of a 135 year old fraternal benefit society - a member-based insurance organization - with a rich history of investing in the financial security of its members and sharing with the communities in which they live.
Contracted to implement a financial needs analysis software program for a leading global financial services institution. 5,500 advisors across Canada were trained using real time web based communications platforms.
Contracted to provide fee for service unbiased client investment portfolio performance oversight based upon investor's benchmarks. Focus is a sustainable (no shortfalls) 30 - 40 year lifestyle retirement income.
Blogs
Daniel H. Zwicker, CFP Blog: http://www.dzwicker.blogspot.com
FFCG Blog: http://www.dan-zwicker.blogspot.com
Beyond Risk Blog: http://www.beyondrisk.blogspot.com
FFCG Blog: http://www.dan-zwicker.blogspot.com
Beyond Risk Blog: http://www.beyondrisk.blogspot.com
BEYOND RISK - SUSTAINABLE LIFETIME RETIREMENT INCOME
PROFESSIONAL FIDUCIARY BASED FINANCIAL PRACTICE
BEYOND RISK - FREEDOM AT 45 - 55 - 65 - 75 - 85 - 95?? AT ALL OF THE ABOVE AGES - TO AGE 95 & BEYOND.
In a money economy, money is about personal freedom - of choice.
The criteria for freedom of choice are:
Lifetime sustainable Health
Lifetime sustainable Income
Almost everything else is negotiable.
Beyond Risk, our professional financial practice platform, is about people and their views on money....borne of over 30 years of front line experience and engagement in the arena of exponential corporate growth through financial practice building under 'fire' in a lifetime passion......the assuring of the future financial value of our time.....to allow for the completion of our lifetime personal and business financial objectives.
It is about character, integrity, people and their often complex and conflicting attitudes towards money.....its accumulation.....its preservation and its utility.
It is about the leadership of high performance professionals who are committed to managing the capital risk and the lifetime financial well being of their families, business associates and clients in the uncompromising role of a fiduciary.
It is about coaching exponential 'Olympian' class high performance confidence through personal empowerment.
Above all it is about ethical choice in every facet of financial decision making, advice and execution.
It is remarkable that, as a society, of all the basic life skill related subjects that we include in our children's early curriculum financial literacy is not one of them.......given that we live in a 'money' economy.
It is said that we each have a "Money Personality".
Nothing could be more accurate and more life defining.
Dan Zwicker
Toronto
BEYOND RISK - FREEDOM AT 45 - 55 - 65 - 75 - 85 - 95?? AT ALL OF THE ABOVE AGES - TO AGE 95 & BEYOND.
In a money economy, money is about personal freedom - of choice.
The criteria for freedom of choice are:
Lifetime sustainable Health
Lifetime sustainable Income
Almost everything else is negotiable.
Beyond Risk, our professional financial practice platform, is about people and their views on money....borne of over 30 years of front line experience and engagement in the arena of exponential corporate growth through financial practice building under 'fire' in a lifetime passion......the assuring of the future financial value of our time.....to allow for the completion of our lifetime personal and business financial objectives.
It is about character, integrity, people and their often complex and conflicting attitudes towards money.....its accumulation.....its preservation and its utility.
It is about the leadership of high performance professionals who are committed to managing the capital risk and the lifetime financial well being of their families, business associates and clients in the uncompromising role of a fiduciary.
It is about coaching exponential 'Olympian' class high performance confidence through personal empowerment.
Above all it is about ethical choice in every facet of financial decision making, advice and execution.
It is remarkable that, as a society, of all the basic life skill related subjects that we include in our children's early curriculum financial literacy is not one of them.......given that we live in a 'money' economy.
It is said that we each have a "Money Personality".
Nothing could be more accurate and more life defining.
Dan Zwicker
Toronto
BIO
DANIEL H. ZWICKER
Toronto, Canada Area
Dan Zwicker has advised individual and corporate clients on wealth management issues for over 37 years. During that time, he has held agency building leadership positions with some of Canada’s most successful life insurance companies and served individual and corporate clients as an independent financial consultant as well.
With considerable experience and expertise to draw on, Dan has chosen to focus his consultancy on sustainable 30 - 40 year lifetime retirement income, estate and business succession planning. A strong proponent of unbiased fiduciary based financial planning and investment portfolio oversight services, Dan engages clients one-on-one to assist them in achieving their lifetime retirement income objectives.
Born in Montreal, Dan studied structural engineering at Queen’s University in Kingston, where he earned an Honours Bachelor of Applied Science degree. In addition to his Professional Engineers (P.Eng.) designation, Dan's credentials include Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) and Chartered Financial Consultant (CH.F.C.).
With five children and seven grand children, Dan enjoys an active family life. He is an avid student of politics, economics and professional financial practice development.. Other interests include new business development, marketing, ‘Web 2.0’ social media, and coaching high performance team sports.
With considerable experience and expertise to draw on, Dan has chosen to focus his consultancy on sustainable 30 - 40 year lifetime retirement income, estate and business succession planning. A strong proponent of unbiased fiduciary based financial planning and investment portfolio oversight services, Dan engages clients one-on-one to assist them in achieving their lifetime retirement income objectives.
Born in Montreal, Dan studied structural engineering at Queen’s University in Kingston, where he earned an Honours Bachelor of Applied Science degree. In addition to his Professional Engineers (P.Eng.) designation, Dan's credentials include Certified Financial Planner (CFP), Chartered Life Underwriter (CLU) and Chartered Financial Consultant (CH.F.C.).
With five children and seven grand children, Dan enjoys an active family life. He is an avid student of politics, economics and professional financial practice development.. Other interests include new business development, marketing, ‘Web 2.0’ social media, and coaching high performance team sports.
Daniel H. Zwicker, Principal
Toronto
Professional Background
Daniel H. Zwicker, Principal
B.Sc. (Hons.) P.Eng. CFP CLU CH.F.C. CFSB
Professional Engineers Ontario
Certified Financial Planner
Chartered Life Underwriter
Chartered Financial Consultant
Chartered Financial Services Broker
Bus: 416-726-2427
Email: ffcg@rogers.com
Linkedin: http://www.linkedin.com/in/danzwicker
Daniel H. Zwicker, CFP Blog: http://www.dzwicker.blogspot.com
FFCG Blog: http://www.dan-zwicker.blogspot.com
Beyond Risk Blog: http://www.beyondrisk.blogspot.com
First Financial Consulting Group
4261 Highway Seven Suite 238
Markham , Ontario L3R 9W6
*Capital Risk Management
*Lifetime Sustainable Income
*Strategic Wealth Management
Specialists in Advanced Life Insurance Applications and
Lifetime Sustainable Retirement Planning Solutions
New clients are accepted by referral only
'Raising The Bar'
Daniel H. Zwicker, Principal
B.Sc. (Hons.) P.Eng. CFP CLU CH.F.C. CFSB
Professional Engineers Ontario
Certified Financial Planner
Chartered Life Underwriter
Chartered Financial Consultant
Chartered Financial Services Broker
Bus: 416-726-2427
Email: ffcg@rogers.com
Linkedin: http://www.linkedin.com/in/danzwicker
Daniel H. Zwicker, CFP Blog: http://www.dzwicker.blogspot.com
FFCG Blog: http://www.dan-zwicker.blogspot.com
Beyond Risk Blog: http://www.beyondrisk.blogspot.com
First Financial Consulting Group
4261 Highway Seven Suite 238
Markham , Ontario L3R 9W6
*Capital Risk Management
*Lifetime Sustainable Income
*Strategic Wealth Management
Specialists in Advanced Life Insurance Applications and
Lifetime Sustainable Retirement Planning Solutions
New clients are accepted by referral only
'Raising The Bar'
CHARTERED FINANCIAL INVESTOR CONSULTANT
Weigh House Investor Services
Toronto, Canada Area
PROFESSIONAL PRACTICE
Weigh House is an investment industry ground breaking financial services professional practice which provides investor clients with unbiased investment performance oversight.
Client centric services are fee based and unbiased.
Weigh House Investor Services Inc. (Weigh House) is a financial consulting firm specializing in portfolio analysis, investment management consulting and on-going financial monitoring. Weigh House consults with clients on a one-time and on a continuous basis.
Certified by the Centre for Fiduciary Excellence (CEFEX), Weigh House acts on behalf of its clients in a fiduciary capacity by preparing financial plans, Investment Policy Statements, asset allocation recommendations, due diligence on Investment Managers, fee & compensation analysis, investment performance reports, advice on investment strategies, and education.
Read more.....
http://dan-zwicker.blogspot.com/2010/07/access-to-professional-competence.html
Financial products are neither recommended nor sold. An hourly fee is charged based on the amount of time it takes to complete the work and on the level of complexity of each client's needs. No fees, commissions, bonuses, gratuities, or any other remuneration, whether financial or otherwise, are collected except what is received from clients.
The practice takes a fiduciary responsibility to clients to provide a transparent understanding of the performance of their investment portfolio including the costs and market risks associated with each of their investments.
Working relationships are collaborative with clients and their professional advisors to identify an investment portfolio which has the minimum rate of return necessary for them to achieve a sustainable income level which will support their lifestyle needs throughout their 2nd. 30 - 40 years in retirement.
The highly experienced team are among the best and the brightest financial professional practitioners in Canada.
Weigh House is an investment industry ground breaking financial services professional practice which provides investor clients with unbiased investment performance oversight.
Client centric services are fee based and unbiased.
Weigh House Investor Services Inc. (Weigh House) is a financial consulting firm specializing in portfolio analysis, investment management consulting and on-going financial monitoring. Weigh House consults with clients on a one-time and on a continuous basis.
Certified by the Centre for Fiduciary Excellence (CEFEX), Weigh House acts on behalf of its clients in a fiduciary capacity by preparing financial plans, Investment Policy Statements, asset allocation recommendations, due diligence on Investment Managers, fee & compensation analysis, investment performance reports, advice on investment strategies, and education.
Read more.....
http://dan-zwicker.blogspot.com/2010/07/access-to-professional-competence.html
Financial products are neither recommended nor sold. An hourly fee is charged based on the amount of time it takes to complete the work and on the level of complexity of each client's needs. No fees, commissions, bonuses, gratuities, or any other remuneration, whether financial or otherwise, are collected except what is received from clients.
The practice takes a fiduciary responsibility to clients to provide a transparent understanding of the performance of their investment portfolio including the costs and market risks associated with each of their investments.
Working relationships are collaborative with clients and their professional advisors to identify an investment portfolio which has the minimum rate of return necessary for them to achieve a sustainable income level which will support their lifestyle needs throughout their 2nd. 30 - 40 years in retirement.
The highly experienced team are among the best and the brightest financial professional practitioners in Canada.
IMPERIAL LIFE TORONTO BAY
Built corporate agency into #1 from # 20 in 4 years receiving numerous corporate & industry recognition awards for superior agency and industry sustained growth and leadership..
HIGH PERFORMANCE PROFESSIONAL PRACTICE: MARKETING / MDRT SALES / CLIENT CENTRIC SERVICE
IMPERIAL LIFE OTTAWA
Toronto, Canada Area
Led all new Canadian life underwriting sales representatives at Imperial Life within 3 months of entering the industry.
Served on numerous Corporate and financial services industry marketing initiatives.
Million Dollar Round Table qualification (MDRT)] for 4 consecutive years prior to entering agency development.
MDRT represents the top 1% of all life insurance underwriters globally.
Served on numerous Corporate and financial services industry marketing initiatives.
Million Dollar Round Table qualification (MDRT)] for 4 consecutive years prior to entering agency development.
MDRT represents the top 1% of all life insurance underwriters globally.
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