• What should I look for in a Lloydminster financial advisor?

    A strong Lloydminster financial advisor (or financial planner) should look beyond investments and take the time to understand your entire financial life. At Schiller, Spence & Associates, planning can include retirement, investments, tax, estate planning, insurance, charitable giving, cash flow and, for business owners, corporate and succession planning. The team’s approach is designed to connect these areas into one coordinated plan.

  • How can an Edmonton financial advisor help with a complex financial life?

    An Edmonton financial advisor can help coordinate decisions that might otherwise be handled separately, such as investments, taxes, retirement, estate planning and business ownership. Schiller, Spence & Associates takes an advice-first, full-picture approach, with financial planners working together to provide continuity and deeper insight as clients’ needs become more complex.

  • Do you provide financial planning for business owners and small business owners?

    Yes. The team works with entrepreneurs who need their business and personal finances to work together. As a financial planner for business owners, we can help with corporate structure, cash flow, tax planning, investments, insurance, succession and estate planning. The objective is to help turn business success into lasting personal and family wealth.

  • What does a small business financial advisor do?

    A small business financial advisor can help owners make decisions about both the company and their personal financial future. This may include choosing how to take income from the business, managing retained earnings, investing corporate assets, preparing for succession or a sale, protecting the business with insurance, and planning for retirement.

  • What are family office-style services?

    Family office-style services bring different parts of a complex financial life together under one coordinated strategy. For high-net-worth families and business owners, that can mean connecting investment, tax, estate, insurance, business and wealth-transfer decisions while also coordinating with other professionals such as accountants and lawyers. Schiller, Spence & Associates’ approach is built around understanding both the financial picture and the family relationships behind it.

  • What does high-net-worth financial planning include?

    High-net-worth financial planning often involves more complexity than investment management alone. It can include corporate holdings, multiple income sources, tax planning, retirement income, estate and wealth-transfer strategies, insurance, charitable giving and investment management. Schiller, Spence & Associates works with high-net-worth families to coordinate these decisions as part of one broader wealth strategy.

  • Why work with a CERTIFIED FINANCIAL PLANNER® professional?

    A CERTIFIED FINANCIAL PLANNER® professional can help look at how different financial decisions affect one another rather than addressing them in isolation. Schiller, Spence & Associates’ CFP® professionals in Edmonton and Lloydminster coordinate areas such as corporate structure, investments, tax, retirement and estate planning so that each decision supports the broader plan.

  • Do you serve clients in both Edmonton and Lloydminster?

    Yes. Schiller, Spence & Associates has offices in both communities and serves clients across Alberta and Saskatchewan, including surrounding communities such as Kitscoty, Vermilion, Lashburn, Paradise Valley, Paradise Hill, St. Walburg and Marwayne. Whether you’re looking for an Edmonton financial advisor, Edmonton financial planner, Lloydminster financial advisor or Lloydminster financial planner, the team provides coordinated financial planning for families, professionals and business owners.