Homegrown Business Improving Financial Well Being with CH Financial Ltd

Homegrown Business Improving Financial Well Being with CH Financial Ltd

During these tough financial times, it can be helpful to have the support of a financial professional to help navigate the new benefits, tax breaks, and what to expect during tax season. This week we spoke to Jeremy Clark, CEO, and President of CH Financial Ltd. about how they can help improve our financial well-being.

What is your business called and what does it do?

CH Financial Ltd. We provide all the services necessary to ensure our client’s financial well-being – from financial wealth and tax planning, risk management, estate, and business succession planning, to structuring charitable trusts. Led by a senior advisor, our panel of experts collaborate to provide each client with personalized, comprehensive solutions – with the ultimate goal of achieving and maintaining holistic financial health.

What made you want to do this work?

I started as an intern in 1999 and worked my way up. The company is now five times the size from when I started.

What problem does this solve?

We are the quarterback for your finances, or your family’s Chief Financial Officer. Many people get fragmented advice, they have different people involved in their finances – an accountant, an investment officer, a lawyer. CH Financial Ltd. lets you get this done all in one place.

Who are your clientele/demographics?

We’ve developed a client base across Canada over the last 20-30 years. An area we are specifically focusing on is aspiring young professionals that are looking for an overall financial plan, investment advice, insurance review and financial documentation processes such as a will, prenuptial agreement, cohabitation etc.

How does your business make money? How does it work?

The main source of revenue is we get a percentage of people’s assets that we manage. We don’t bill by transaction. For services like financial plans and tax returns we bill hourly similar to an accounting firm.

This process is co-beneficial as it aligns directly with the clients level of financial position and revenue made from the work that we do for them.

Where in Calgary can we find your profession?

You can book an appointment with one of our advisers through https://chfinancial.ca our website, and follow our social channels @ch.financial on Instagram and @ch-financial-ltd on LinkedIn. Our offices are located at 700 4 Avenue S.W, Calgary Alberta.

What is the best question a prospective customer could ask a member of your profession when comparing services?

A good question to ask would be around how we’re paid. There is a misconception in our business with how we are paid on people’s assets.

What is the best part about what you do? What is the worst part?

The answer to both parts is people.

The best is having deep relationships with people – you can take care of them in a number of different ways. It’s rewarding being able to both educate and empower people.

The worst is when people get advice from all different sources. This is challenging because it’s hard to determine where it’s coming from. There’s a huge amount of information to sift through so we often have to counteract some of the advice people are given.

PAY IT FORWARD: What is another Calgary business that you love?

I love Buchanan’s Chop House. It’s a second generation family business that has amazing food, service and a great selection of scotch whisky.

I also love the Calgary Philharmonic Orchestra. I’m the President of the CPO Foundation and can’t stress enough the positive impact the orchestra has on our community.

Start the conversation

ARE WE A GOOD FIT?

Like you, we’re selective about the long-term relationships in which we engage.

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce”.

If this describes you, let’s set up a meeting and
get to know each other.

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Are we a good fit?

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce.”If this describes you, let’s set up a meeting andget to know each other.

Full quote:

I just want to say we have been with your team since 1993, and we have never had any bad advice. The investments you set up for us during this time has paid for university education for our two granddaughters and provided a significant monthly income for us to augment our pensions.

We are with you for the long run and are not going anywhere. Jeremy has told us that at these times the numbers tend to scare you, but you haven’t really lost anything if you don’t panic and sell.

Ken M, Calgary

With CH Financial since 1993

Full quote:

When I became a client of CHF it was a real game-changer as I was going through a very difficult time both professionally and personally.

I went through a divorce and the loss of a job and a parent, all within a 12-month period. While it was very tough to deal with at the time, I was reassured by the fact that the team at CHF had my back and really cared about me and what I was going through.

Looking back now, I’m not sure how I would have managed without the support of the CHF family.

Jeremy and his team were there every step of the way to help me navigate my way through the complexities of a divorce and inheritance. They got me back on track both financially, as well as emotionally.

I have now been a client of CHF for over 10 years and thanks to their expertise, I know that my family will be well taken care of for many years to come. I am now in a position where I don’t need to worry about money thanks to a solid financial plan.

I would highly recommend the CHF team to others going through life-changing and difficult situations as your financial partner.

Linda, Victoria

Full quote:

As an investment industry professional, I am constantly on the go and maximizing my peak career earning years in my 40s. With travel and work commitments I am very limited for time to spend with family and do the things I love to do and chose CH Financial to allow me more freedom and lifestyle balance.

Being in the investment industry my whole career and an extremely busy professional, I know I could probably do a good job at managing my money as I work in the industry after all while I rely on and trust the CH Financial team that they will take care of the details, both growing my assets as well as taking care of every aspect of my financial situation, including my tax, investments and insurance, they simply take away the stress of having to worry about it all and help me to navigate the complexities for me so it all meshes together and importantly saves me valuable time and headaches.

At the end of the day, the reality is I truly value my time and the opportunity cost of my time and would rather hire the best in the industry so ultimately my wife and I can do the things that we love to do, have more leisure time, relax and enjoy spending time in the great outdoors, exploring new countries, hiking in the mountains and volunteer work.

Since engaging CHF more than 5 years ago we have enjoyed significant growth in our investments but more importantly, we have peace of mind and sleep much better at night knowing the team at CHF has our financial back and anything financial they will take care of for us.

I would have absolutely no hesitation in recommending the team at CHF to other career-focused busy professionals who really value their time and lifestyle balance.

Kevin & Sharron, Calgary

Financial industry professionals

Full quote:

Prior to joining CH Financial as a client, I had been partially managing our investments and using a bank-owned broker for many years, with moderate success. When we became clients of CHF, I quickly realized how little I knew about the complexities of managing investments and the importance of seeking out the best specialists in the industry to assist with my family’s full financial picture.

Brian and the team at CHF encouraged us to take an introspective look at our assets and expenditures and even helped us implement a comprehensive budget. The team really stepped up to take care of all aspects of our financial picture, including portfolio design, CH Financial introduced us to a lawyer who took care of everything for us, estate planning and tax, while helping us simplify our financial affairs.

Being of the sandwich generation my wife and I spend considerable time caring for our surviving parents and our grandkids, so

freeing up valuable time is essential to allow us to do the things we love to do. The team at CHF takes care of the details and today my wife and I enjoy a comfortable, stress-free financial situation.

Over the years as a client of CHF, both our portfolio and wealth has grown exponentially, more than we could have ever imagined. Now that we are both happily retired, having the CHF team in our corner helps us to sleep better at night knowing that our somewhat complex financial puzzle is being looked after by a team of people that really care, as opposed to being treated like a number by a big bank.

I would have no hesitation in recommending the CHF team to others looking for a superior financial home in Calgary and a safe place to invest your hard-earned money.

Ian C, Calgary

Comfortably retired thanks to CH Financial