“If you understand how money can work for and against you, you can make better decisions. Financial literacy is not about wealth but about understanding money regardless of the amount. It’s about how you treat it and how you maximize opportunities.”

Mellody Hobson

How do we get paid?

We are paid by a combination of ways. Fee for service; Fee-based Investments; Commission for insurance-based products.  

Fee Based: Together we determine the scope of work required and agree on a value for this work with deliverable benchmarks. We provide you with an estimate of costs based upon time. Where allied professionals are required, they will have their own estimates of costs usually based upon their hourly rate.  

Fee-based Investments: We work on a percentage of assets-based fee arrangement. We have a variety of approaches which are tailored to your specific needs or circumstances. As fully independent advisors we have tremendous price flexibility.  

Commission: In the purchasing of Individual Insurance Products (Life, Critical Illness, Disability Income Protection) and GIC’s, can only be purchased with a commission structure. The commission rate is established by the insurance company, bank, trust company or credit union used. There is very little variability from one company to another. Both the insurance type and amount are based upon our need’s analysis. Under current regulations, insurance purchases require a written justification for each purchase. Only exceptionally high premium and face amount policies can the cost associated with these policies be negotiated with the insurance company. Commission would be included in these negotiated costs. 

Rules of the Game

Every game has rules. These rules provide context and structure to games. Rules help us understand when someone is cheating. These rules also give us a sense of how the game is played. Like any accomplished player, you learn the rules and become and accomplished player of the game.  

The Financial Industry has rules that affect you and the advice to receive.  

Financial Institutions: 

  • Want your money! 
  • Want it systematically! 
  • Want to hold on to it for as long as possible!  
  • Want to return it little by little when you want it back. 

This is not necessarily a bad thing. However, it may put into context some asset preservation strategies in a slightly different light. Unlocking your money from these constraining rules of the Financial Game is the difference between playing and learning how to win. 

What are these Rules?     

I’m Curious… 


If your ship doesn’t come in, swim out to meet it! 

Jonathon Winters

Begin Your Life in Full Circle…


Full Circle Financial Inc.
54 Great Oak Dr.
Toronto, ON
M9A 1N2

Office: 416-341-7901

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