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About Freedom 55 Financial |
Don Kellough is a Financial Security Advisor with Freedom 55 Financial located in Pickering, Ontario, Canada.
Mr. Kellough has over 15 years of combined administrative business and customer service experience and as a financial security advisor including owning his own business. He holds the following licenses: Canadian Securities, Conduct and Practices, Derivatives, Options, Mutual Funds and Life Insurance. Don prides himself in his professional approach, detail to the clients needs, goals and dreams.
His professional approach to financial security planning is through educating his clients with our unique process and building a trusting, open business relationship combined with top level service. Don meets with his clients on a regular basis to ensure that they are staying on track with their retirement plans and goals.
Don Kellough also provides the following products and services to meet his client?s financial needs:
? Segregated Funds ? RRSPs
? Mutual Funds ? RESPs, RRSPs, RRIFs
? Annuities, RRIFs, LIFs
? Residential Mortgages
? Individual Life Insurance
? Individual Disability Insurance
? Individual Critical Illness Insurance
? Individual and Family Health and Dental Insurance
? Business Protection Insurance
? Group Insurance
? Group Retirement Plans |
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Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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My clients are partners. Together we have a single goal and that is to reach your financial goals today and in retirement. I manage and serve over 900 satisfied clients. Please visit my web site for information. |
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What are your qualifications? What is your education background? |
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Choosing A Financial Advisor
Today, financial information is readily available. But, if you are like most people, you just don't have the time, or the inclination to dig through the mountains of complex information to plan your financial future. And, you don?t want to leave it to chance.
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How are you compensated? How will I pay for your services? |
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930 in the Peterborough and Durham Region and throughout southern Ontario. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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I work closely with all my clients meeting with them all individually either via phone, email and or in person at their home or in my office. I have a team of specialists that I work closely with ranging from personal income tax to business taxes and different fund and investment specialists. |
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How many clients do you currently manage? |
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If you choose to purchase a product through me, I will be paid by the company that offers that product. I am compensated by a sales commission for most products at the time of sale, and may receive a renewal (or service) commission if you retain that policy with the company. For certain products, I may receive a referral fee.
In respect of certain products, the commissions may be different. |
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Will you be the only person working with me? |
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Yes. I can only buy and sell funds after you have signed a written legal agreement allowing me to do trades on your behalf. |
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Do you offer any guaranteed results? |
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It is critical that we meet regularly to review your portfolio, assess any changes in your
circumstances and keep you updated of any issues that may affect your financial future. As
one of my most important clients, you can expect to receive a call to set a face to face meat least meeting once per year. We will, in addition, touch base by telephone 3 more times a
year. |
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| Q. |
How much risk should I be willing to take? |
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That depends on you and the questions and process that we will go through to determine what your risk tolerance is. |
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| Q. |
Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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If you choose to purchase a product through me, I will be paid by the company that offers that product. I am compensated by a sales commission for most products at the time of sale, and may receive a renewal (or service) commission if you retain that policy with the company. For certain products, I may receive a referral fee.
Currently I do not personally charge for my services. |
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What services do you offer? |
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My clients are partners. Together we have a single goal and that is to reach your financial goals today and in retirement and, as partners, I share the responsibility for your success. This service agreement focuses on my commitment to you and your family and looks at what I will need in return to help you succeed.
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What are your rate plans? |
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Are pre-existing conditions covered? |
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Can I choose my own healthcare provider? |
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You may choose your won health care provider. |
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Is there a waiting period? |
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Does this plan include dental coverage? |
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What carrier(s) do you represent? |
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I also offer certain individual insurance products from other companies made available to me through London Life, namely:
? The Great-West Life Assurance Company
? The Manufacturer?s Life Insurance Company
? The Sun Life Assurance Company of Canada
I offer group insurance and may offer other individual insurance products from the following insurance companies when necessary. |
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Are there any pre-existing conditions that you can not cover? |
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Several. Please contact me to discuss this further. |
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How long does it take to complete the application and approval process? |
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The application takes about 1 hour and 4 to 5 weeks depending on your medical history and other factors to have the application approved. |
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Is there a maximum age that you can insure? |
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There are several criteria for many different types of insurance plans. |
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Why should I choose you as my financial advisor? |
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I am licensed for life and health insurance in Ontario. I am also registered to sell mutual funds in Ontario. |
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How do you charge for your services? |
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Full Range of Services
I believe that my role is at the centre of a broader professional network. To that end, I
either provide or facilitate all services to support our clients. Among the services that I
offer are:
? Estate Tax Relief
? Business Succession Planning
? Wills and Powers of Attorney
? Trusts and Charitable Giving
? Retirement Planning
? Asset Protection |
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What services do you provide? What are your specialties? |
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I also provide the following products and services to meet his client?s financial needs:
? Segregated Funds ? RRSPs
? Mutual Funds ? RESPs, RRSPs, RRIFs
? Annuities, RRIFs, LIFs
? Mortgages
? Individual Life Insurance
? Individual Disability Insurance
? Individual Critical Illness Insurance
? Individual Health and Dental Insurance
? Business Protection Insurance
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| Q. |
What is your experience? How many clients do you currently manage? |
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Mr. Kellough has over 15 years of combined administrative business and customer service experience and as a financial security advisor including owning his own business and currently manages about 930 clients. He holds the following licenses: Canadian Securities, Conduct and Practices, Derivatives, Options, Mutual Funds and Life Insurance. |
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What financial institution(s) do you represent? |
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The principal company I represent for insurance products is London Life Insurance Company through its Freedom 55 Financial division.
I offer mutual fund investment products through Quadrus Investment Services Ltd. |
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| Q. |
What are your qualifications? |
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Mr. Kellough has over 15 years of combined administrative business and customer service experience and as a financial security advisor including owning his own business and currently manages about 930 clients. He holds the following licenses: Canadian Securities, Conduct and Practices, Derivatives, Options, Mutual Funds and Life Insurance. |
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| Q. |
What is your approach to Education Planning? |
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Meeting with each client individually to determine their needs and goals. |
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| Q. |
How long does the process of setting up an Education Plan usually take? |
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2 to 3 hours depending on the client requirements. Call for details. |
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What financial institutions do you represent? |
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The principal company I represent for insurance products is London Life Insurance Company through its Freedom 55 Financial division.
I offer mutual fund investment products through Quadrus Investment Services Ltd. |
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How many years of experience do you have? |
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Mr. Kellough has over 15 years of combined administrative business and customer service experience and as a financial security advisor including owning his own business and currently manages about 930 clients. He holds the following licenses: Canadian Securities, Conduct and Practices, Derivatives, Options, Mutual Funds and Life Insurance. |
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What are your fees for this service? |
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No fees. Please contact me for details. |
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| Q. |
How many Education Planning clients do you currently manage? |
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Why should I work with you on setting up an Education Plan? |
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Mr. Kellough has over 15 years of combined administrative business and customer service experience and as a financial security advisor including owning his own business and currently manages about 930 clients. He holds the following licenses: Canadian Securities, Conduct and Practices, Derivatives, Options, Mutual Funds and Life Insurance. |
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