Michael Hadford CFP®, B.Sc.

Branch Manager, Certified Financial Planner

About Michael Hadford

As an Assante advisor my goal is to help my clients achieve financial independence and the kind of life they want to live. I do this by developing comprehensive and personalized financial strategies tailored to their personal dreams and goals. A regular review of actual results versus the financial plan allows readjustment and a high degree of confidence in achieving long term financial goals. Investments are a tool used to achieve a goal, not an end in themselves. I don't pretend to be able to predict the short term movements of markets and I don't believe anyone else can either. My client’s financial plans are constructed with a high degree of success, regardless of what financial markets do in the next week, month, year or even five years. I ensure my clients understand all of the risks of their portfolio, and only take the risks they can tolerate so that we can maintain our discipline through good times and bad. We practice smart diversification and keep costs low. Risk and return are related, but not all risks have a positive expected return. I ensure that my clients only take the risks worth taking, with consideration for their comfort level and need for return. I have over 20 years of experience working with clients through the accumulation phase of their lives, putting the kids through University, enjoying retirement and ultimately leaving legacies for the people and causes they love.


Designations and Work History

Certified Financial Planner professional at Assante Financial Management Ltd.
April 1997 - Present

As a member of the Financial Planners Standards Council, I adhere to the standards set by this organization. Certified Financial Planner® certification is the industry gold standard in financial planning. CFP professionals are the largest identifiable body of licensed financial planners in Canada with over 17,500 individuals meeting the strict standards of this designation. Since financial planning is not regulated in most Canadian provinces, anyone can call themselves a "financial planner"; but not everyone who refers to themselves as a planner is indeed qualified. In the absence of government regulation, Canadians seeking competent and ethical financial planning services should look for the CFP mark. CFP certification provides assurance that the planner is committed to internationally-recognized professional standards of competence, ethics and practice as set and enforced in Canada by FPSC.

 These standards include:

  • Completion of education in financial planning;
  • Successful completion of rigorous standardized examinations;
  • Financial planning work experience; and,
  • An ethical commitment to putting the client's interest first.

CFP professionals are also held to ongoing rigorous standards through FPSC's continuing education requirements and enforcement processes.

Financial planner at Investors Group Financial Services Inc.
December 1991 - April 1997 (5 years 5 months)


Education

The University of Calgary
B.Sc., Minor in Management, 1987 – 1991


Interests

Investing, Financial Planning, Skiing, Scuba, Travel