Ryan Lamontagne Inc

Ryan Lamontagne Inc. is Ottawa’s largest fee-based financial planning firm. We specialize in comprehensive financial planning and wealth management. We provide a broad range of services including financial planning, investment advisory services, tax services, and financial education. Our clients include business owners, executives, professionals and retirees. We work with our clients to help them achieve their lifetime financial objectives.

A key advantage of your relationship with Ryan Lamontagne Inc. is that you gain access to professionals who are qualified to provide expert advice on every facet of the financial planning process. Our broad range of expertise means we can provide you with customized solutions that consider your complete financial picture, not just one aspect of it.

We strive to lead the financial services industry in Ottawa by providing our clients with true independent advice that will enable our clients to make well-informed financial decisions. Our years of experience, our technical competency and knowledge, our use of sophisticated technology and our focus on achieving results differentiate us from our competitors.

With continuous innovation in the financial planning industry, we take advantage of expanded planning services and product developments to bring the very best to our clients.

When hiring a financial planner you are looking for someone who is going to give you sound financial advice. If the advisor is compensated based on the sale of a product, then it becomes difficult to assess the value and objectivity of the advice.The main advantage of fee-based advice is simple: if your advisor is paid the same fee by you no matter which strategy or investment product that they recommend, then they will put your interest ahead of their own. Clearly a fee-based approach to financial advice better aligns the financial planner’s interest with those of their clients. So our success is tied directly to the success of our clients’, and not to the sale of an opaque commission product.

A recent survey by the Investment Executive found that the overriding reason why financial advisors convert from a commission model to a fee-based model was to eliminate conflicts of interest.

There are other advantages. First, fees are easy to understand. They also offer greater transparency and are reported to you on a regular basis. Fee advisors must deliver advice that you truly value and provide a high degree of service in order to retain you as a long-term client.

In the case of our wealth management service, fee advisors generally have access to a broader selection of products. The fee-based option also eliminates the worry about being locked-in by back-end commissions or deferred sales charges.

Finally, in certain circumstances, fees may be tax deductible against income, which can result in significant savings for higher-income clients.