Our Services
Services Include:
Personalized Advising
- Analyze your current financial position, your personal assets, employee benefits, life insurance, retirement advising, and government programs.
- Identify personal objectives and priorities
- Identify problems that may prevent attainment of your objectives
- Explore various methods to minimize or eliminate problems and shortfalls
- Effectively minimize taxation and maximize income and estate growth
- Establish time schedules for accomplishment
- Discuss potential changes regarding wills/trusts
- Coordinate financial advising efforts with other financial advisors
Business Continuation and Estate Preservation
- Business evaluation/business continuation advising
- Estate analysis/estate preservation
- Wealth accumulation advising
- Charitable giving concepts
- Executive compensation advising
Personalized Financial Advising
Personal Advising
- Individual life insurance
- Disability income protection
- Critical illness
- Mortgage insurance
- Retirement accumulation plans (RRSP’s)
- Retirement income advising (Annuities, RRIF’s)
- Tax Free Savings Accounts (TFSA’s)
- Education savings plans (RESP’s)
- Annuities (prescribed)
- Insured annuities
Business Advising
- Pension plans (RPP: Money purchase and defined benefit)
- Individual pension plans (IPP)
- Buy-sell agreements
- Key man insurance
- Executive compensation plans
- Salary compensation plans
- Business overhead expense
- Group employee benefit plans
- Collateral term insurance
- Corporate asset transfers
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Investment Advising
- GIC’s
- Investment Funds (Canadian equity, international equity, Canadian bonds, international bonds, managed asset allocation, money market, Asian fund, mortgage fund)
- Leveraged investing
- RRSP’s & TFSA’s
About Us
Scott Phemister
Office: (604) 541-8123
Cell: (604) 649-4920
President of Phemister Insurance & Financial Services Ltd. Has 37 years experience in the financial industry specializing in insurance, investments, and retirement planning for both individuals and businesses. Past president and active member of the South Surrey Rotary club. Also a long-standing member of Advocis, the financial advisor association of Canada.
Ross Phemister
Office: (604) 541-8123
Cell: (778) 991-9356
Graduated in 2014 from the University of Victoria with a Bachelor’s degree in Economics. Proceeded directly into the financial industry and has been self-employed in the capacity of a financial advisor since then. Recently transitioned practice to Phemister Insurance & Financial Services from working at a firm downtown Vancouver. Active member of Advocis, the financial advisor association of Canada. Also working on certified financial planner designation (CFP).
Mission Statement
To ensure that every client receives the highest quality financial guidance possible. We do this by determining objectives, identifying priorities, evaluating alternative, coordinating efforts, and establishing schedules for attainment that when met will assure long-term security and satisfaction.
Since 1979, we have provided quality life, health and financial products essential to personal financial success
Estate and Financial Planning are more important today than ever before. Continued inflation, taxes, the impact of death, disability and retirement are some of the factors which point to the need to plan for the future. Our services make provisions for contingencies and assure accomplishment of personal, family and business objectives while always preserving “Quality of Life.”