Thomas B. Russell

B.Sc., MBA, CFP®, CLU, CH.F.C.

Certified Financial Planner

Insurance Representative, Four Points Financial Solutions Inc.

Senior Financial Advisor, Manulife Securities Investment Services Inc.

 

Resources for Clients
 
 
Call 1.866.235.0004.3 or Schedule a phone appointment
email Tom@FourPointsFinancial.com
Schedule an office appointment
Retirement Assessment
Education Assessment
Major Purchase Assessment

 

Welcome

Tom has been building values-based financial plans that integrates insurance and investment planning strategies using tax advantaged products to help people plan for their future financial security since 1988.

The Metamorphosis of CapitalTM Principle shows you how to Create, Protect, Enjoy & Share wealth.  

The Time 4 Money® Program provides Credibility, Process, Implementation & Results.

The Arrive with ConfidenceTM Process helps you Imagine your Destination, Explore your Possibilities, Understand your Course & Reflect on your Journey.

The Return on Life Payoff delivers Proactivity, Objectivity, Organization & Accountability.

Latest Blog Posts

Canadians concerned about possible rate hikes

Published by Thomas B. Russell B.Sc., MBA, CFP, CLU, CH.F.C. on Jan 15, 2018

While 77 per cent of Canadians say they are optimistic about their finances, nearly three in five acknowledge that they would feel "significantly less" confident if interest rates go up again, according...

The AMF warns about risks of initial cryptocurrency offerings

Published by Thomas B. Russell B.Sc., MBA, CFP, CLU, CH.F.C. on Jan 15, 2018

Quebec regulator, the Autorité des marchés financiers (AMF) warned investors on Jan. 15 about the risks of initial cryptocurrency offerings, commonly called “initial coin offerings” (ICOs). ICOs are limited-time...

Consumers should be warned of risks related to online insurance purchases

Published by Thomas B. Russell B.Sc., MBA, CFP, CLU, CH.F.C. on Jan 15, 2018

Adopted as is, Quebec’s Bill 141 will lead to an increase in the number of simplified products sold via the Internet without advice, believes the Quebec financial advisor organization, the Association...

CRA tightens Voluntary Disclosures Program

Published by Thomas B. Russell B.Sc., MBA, CFP, CLU, CH.F.C. on Dec 20, 2017

Diane Lebouthillier, Minister of National Revenue, has announced changes to the CanadaRevenue Agency’s Voluntary Disclosures Program that will tighten the eligibility criteria to access the program. The...

Canadian Xennials feel financially overwhelmed

Published by Thomas B. Russell B.Sc., MBA, CFP, CLU, CH.F.C. on Dec 04, 2017

Seventy per cent of Canadian Xennials – a micro generation of those aged 34-40 – say they feel overwhelmed due to juggling other financial obligations with saving for retirement, according to a survey...

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