SERVICES
I’m dedicated to providing the highest level of wealth management services to my clients.
I meet with clients quarterly in-person or virtually (whichever they prefer) to review their financial plan, address concerns and make any necessary adjustments.
I also conduct an annual review with my clients to take a holistic view of their financial situation and any life changes that might impact future plans.
INVESTMENT MANAGEMENT
The best investment advisors deliver more than just great returns for their clients - they provide a commitment to unparalleled service. I take the time to get to know my clients, their lifestyle, financial goals, and risk tolerance and create a personalized financial plan tailored to their needs.
RETIREMENT PLANNING
Most Canadians feel like they don’t have enough saved for retirement to live out their lives on their terms. Whether you’re still working or already retired, my goal is to help you develop a retirement plan that allows you to maintain the lifestyle you want. Through proven saving strategies and wise investment planning, I’ll work with you to build up your retirement fund and keep it replenished long after you stop working.
LEGACY PLANNING & FAMILY OFFICE
Building up wealth takes years of hard work and sacrifice. My goal is to help you maintain what you’ve created and grow it for future generations. From wealth preservation to estate planning and philanthropy, my team of trusted partners and I can provide you with the investment knowledge and tax and estate expertise to help accomplish your financial goals together.
FAQs
HOW DO I GET STARTED?
Please contact me directly via email at: scarinci@fostergroup.ca or call me at 647 479 8832 or toll-free at 1 855 271 2442, or use my online calendar to schedule a no-cost and no-obligation initial consultation.
HOW DOES YOUR FEE STRUCTURE WORK?
I typically offer my clients the choice and provide them with a detailed analysis of what makes more sense for them and keeps more money in their pockets. The two types of fee structures are fee-based, in which I would charge a set annual fee based on the overall value of the portfolio or commission-based, in which I charge a commission to purchase securities and then a commission to sell the securities. At the end of every fiscal year, I meet with the clients in-person to review how much in commission or fees they paid and which fee model makes more sense for them to continue using.
WHAT TYPE OF SECURITIES DO YOU PROVIDE?
I offer a variety of securities including:
Stocks listed on North American stock exchanges
Mutual funds
Exchange Traded Funds (ETFs)
Bonds
Real Estate Investment Trusts (REITs)
Guaranteed Investment Certificates (GICs)
Money Market accounts
WHAT IS THE MOST IMPORTANT FACTOR WHEN DEALING WITH CLIENTS?
First and foremost, it’s trust. My clients need to trust me completely without hesitation. The next factor would be communication. The communication between client and advisor is paramount, and both parties must always be on the same page.
DO YOU INVEST IN THE SAME SECURITIES AS YOUR CLIENTS?
For the most part, yes. Rest assured that whatever investments I recommend to clients, I also invest in myself for my family.
Still have questions?
About Foster & Associates
Steven Carinci is currently a Senior Wealth Advisor at Foster & Associates Financial Services in Toronto. The firm was established in 1994 by veteran portfolio manager Briar Foster who was disillusioned with firms that put profits ahead of their client’s interests. He wanted to create a truly independent investment dealer with a laser focus on the best interest of their clients. Today, the firm is led by Briar’s son, Christopher. He oversees a team of professional Portfolio Managers and Investment Advisors that work with Canadian families to help them meet their financial goals.
