Alain Quennec
Financial Advisor and Portfolio Manager
BComm CFP FMA CIM
You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
Alain Quennec
Financial Advisor and Portfolio Manager
BComm CFP FMA CIM
You are concerned with planning for the transition to retirement, how to best generate income during retirement, properly invest your nest egg, or deal with your estate planning. My team and I listen to you, come to understand your goals, and help realize those goals with a written plan, disciplined implementation, and regular scheduled checkups for your lifetime.
My childhood dream was to be a teacher - to help people understand things and share the feeling they have when it happens. I loved showing people how to fix things, and enjoyed puzzles and mystery novels. In college, I even took a course in Detective Fiction. As I grew to adulthood, my dilemma was finding a domain that interested me while allowing me to exercise my need to solve problems and educate others. At Concordia University, I was fortunate enough to be chosen as one of eight students to study the first university full-year course in practical financial planning, and I was hooked. My clients now call me "The Explainer" - they talk to me in order to understand their situation, and then feel comfortable and confident in making life decisions. It is an honor and a privilege to guide clients through a lifetime of critical financial events and decisions. I see myself as the captain of my client's ship - they depend on me to guide them on their life's journey, letting them know what they need to make critical decisions and helping them avoid mistakes that could jeopardize a successful outcome.
I grew up on Montreal's West Island, and graduated Concordia University. After spending 1993 in Australia and my first year in the financial advisory field in 1994 (Montreal), I settled in Vancouver in 1995 and joined the firm's founder, Jim Rogers, in his financial advisory practice. In 1999, I took over some of Jim's practice as he was in the process of retiring, the same year meeting my wife-to-be, Linda. We married in 2002 and were blessed with twin daughters in 2005. Outside of their activities of dance, judo, piano, and voice lessons, the children enjoy their mini Havanese dog, Ollie, travelling with their parents, and joining me at the finish line of endurance cycling races. Linda is an author, and having completed a Masters Degree in Creative Writing, is working on her PhD in Psychology.
Industry Associations
Financial Planning Standards Council (FPSC)
Estate Planning Council of Vancouver (EPCV)
Financial Planning Association (FPA)
Conference for Advanced Life Underwriting (CALU)
Million Dollar Round Table (MDRT)
BComm (Finance) - Concordia University
CFP (Certified Financial Planner)
FMA (Financial Management Advisor)
CIM (Chartered Investment Manager)
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Advisors, Pilots, Sailors – We’re All the Same
By Alain Quennec on 22 Jul 2019
All three professionals help people navigate a journey to their desired destination.
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Discussions on Planning – June 2019
By Alain Quennec on 25 Jun 2019
After years of financial turmoil, Leonard Cohen was able to stabilize himself and put things in order, living his last years with peace of mind and continued ability to be creative. A few months after this quote appeared in a New Yorker interview, he died.
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Discussions on Planning - January 2019
By Alain Quennec on 25 Jan 2019
I want to start by reflecting on the year gone by and thanking you for our ongoing relationship and the confidence you have shown in our planning services.
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Discussions on Planning - Estate Planning
By Alain Quennec on 30 Oct 2018
Estate planning is the process of defining how you will share your legacy. This means having your affairs in order and enabling your family and loved ones to make decisions on your behalf after you die.
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Discussions on Planning - Tax Planning
By Alain Quennec on 27 Jul 2018
There are tax implications to every investment decision that you make. Identifying tax planning opportunities and structuring your portfolio to take advantage of those opportunities, where possible, can help maximize your returns.
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Discussions on Planning - Cash Management
By Alain Quennec on 25 Apr 2018
One of the most important aspects of a successful financial plan is properly managing your cash flow. By following a few simple strategies, you can gain greater control over your monthly expenses and better prepare for cash flow emergencies.
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Emergency Reserves
By Alain Quennec on 18 Apr 2018
Years ago, I actually had someone say to me that they didn't need to put money aside because, "I don't plan on having any emergencies." Letting that sit without a response for a moment or two (I may have raised an eyebrow)
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Pools and Streams – Retirement Income
By Alain Quennec on 03 Jul 2017
Louise is retiring soon, and it just dawned on her that she isn’t clear what’s going to happen to her cash flow after the regular paycheques stop coming in. I find this a great source of concern among the nearly-retired...
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Why Pessimism Is So Attractive
By Alain Quennec on 15 Mar 2016
Markets have gone through some ups and downs in the last decade, and this has caused many investors to be worried and pessimistic about the future. Throughout history, people have been apprehensive about times yet to come.
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Quantifying the Value of Advice
By Alain Quennec on 01 Oct 2015
Earlier this year, the investment firm Vanguard released the results of a major study attempting to quantify the value of financial advice to investors.
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ETF or Mutual Fund, What's the Difference?
By Alain Quennec on 01 Jan 2014
Most investors leave the choice of selection of individual stocks and bonds to a dedicated professional team whose full-time efforts are dedicated to that task.
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Critical Illness Insurance
By Brent Vandekerckhove on 24 Oct 2019
Managing risk is something we do in many aspects of our lives. When I give seminars on financial planning, I like to ask the audience what they think their biggest asset is. Most will answer their home, especially in the Lower Mainland.
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Informal Trusts
By Christian White on 20 Feb 2019
Informal trusts, or ITFs, are a tax-efficient way to provide a savings plan for a minor child. These accounts can be used for funding future education, protecting an inheritance or, as is often the case...
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Your Love Letter: New Year’s Resolution
By Patrick McGuire on 24 Jan 2019
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
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Choosing an Investment Fund
By Bryn Hamilton on 24 Jan 2019
For the purposes of this piece, we will be focusing on managed money and, in particular, mutual funds. An investment advisor who chooses investment funds on behalf of a client is implementing what’s called Overlay Money Management.
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A Few Financial Resolutions for the New Year
By Anne Hammond on 24 Dec 2018
Once all the Christmas dinners are done, the guests have gone home, the Boxing Day shopping is done, our new purchases are safely home, and the house is quiet as we wait to bring in the New Year, our thoughts often begin to turn toward resolutions for the new year
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The Benefits of Student Credit Cards
By Debbie Saleem on 19 Nov 2018
When my oldest son turned 19 last year, he was very surprised when I insisted that he apply for his first credit card – a student credit card with a low limit and no annual fee. He happily obliged!
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How Small Things Can Make a Big Difference
By Brett Simpson on 22 Oct 2018
After thirty-five years of financial advising, I would like to share some insights I’ve recognized as important ingredients in effective integrated wealth management.
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Making the Best Use of Your Home Equity in Retirement
By Rick Orford on 20 Oct 2018
In the past 10+ years, Vancouver homeowners have enjoyed significant increases in property values. In some cases, property values have increased 2x and 3x
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Sequence of Returns Risk
By Nick Hearne on 17 Sep 2018
Most investors understand that to achieve their long-term target rate of return, they will need to accept some volatility in the short and medium term.
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Inflation Rises To 2.5% In June…The Highest Since 2012
By Vera Vlaovich on 25 Jul 2018
Statistics Canada recently reported that Canada’s annual inflation rate rose to 2.5% in June. In addition, consumer prices grew faster than in the previous six years.
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The Big Six Bias
By Cory Hill on 09 Jul 2018
Today, many of us have fragmented relationships with our financial institutions. Gone are the days when we would head to our local bank branch to take care of our monthly bills, deposits,withdrawals and update our bank books,
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Reaching Our Goals
By Cecilia Tsang on 15 May 2018
Recently I was sick after coming back on from a trip. This was the first time my husband and I traveled together without the children and I was looking forward to spending quality time with them upon my return.
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What to Look for When You Buy Home Insurance
By Kevin McLean on 27 Apr 2018
‘Water is the new fire’ says the Insurance Bureau of Canada (IBC)
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A Year in Review
By Cory Hill on 26 Jan 2018
At this time of year, we are all accustomed to looking back at the year that has gone by. Today, I would like to suggest that we look ahead to 2018.
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Holiday conversations…
By Mark Neufeld on 19 Dec 2017
As we approach the holiday season, you’ll hopefully find some time to spend with family and/or friends. Many conversations will be had and some may be about that overdone turkey and some may even be about the investment markets.
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Making an Election for your Defined Benefit (DB) Pension
By Nick Hearne on 24 Oct 2019
Employers guarantee a specific retirement benefit for each employee who participates in their defined benefit pension plan.
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Travel Tips to Consider Before Your Next Trip
By Claire Newell on 24 Oct 2019
Knowing the tricks of the travel trade could save you money and hassle the next time you take a trip. There are plenty, but here are a few of my favorites to consider before your next trip.
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We have Hope…
By Mark Neufeld on 24 Oct 2019
On Saturday, August 24th and Sunday, August 25th, the Market Cycles of RGF Integrated Wealth Management took part in their 11th straight Ride to Conquer Cancer benefiting the BC Cancer Foundation.
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What are the major risks when planning your retirement?
By Clay Gillespie on 14 Aug 2019
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How to Cultivate Gratitude in Kids
By Dr. Deborah MacNamara on 21 Jul 2019
We can give our children a lot – from material possessions, to our time and energy. In return, we often desire or expect expressions of gratitude from them, but this doesn’t always happen.
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Retirement Reflections
By Mark Neufeld on 05 Apr 2019
I’ve had the privilege and honor to work with many clients transitioning to retirement over my nearly 20-year career in financial services.
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Informal Trusts
By Christian White on 20 Feb 2019
Informal trusts, or ITFs, are a tax-efficient way to provide a savings plan for a minor child. These accounts can be used for funding future education, protecting an inheritance or, as is often the case...
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Your Love Letter: New Year’s Resolution
By Patrick McGuire on 24 Jan 2019
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
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The Collaborative Process
By Lisa Alexander on 24 Jan 2019
My initial conversation with the client had been friendly, but brief. He gave me most of the relevant details unprompted and had obviously done some research on what might be expected during the divorce process.
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The Benefits of Student Credit Cards
By Debbie Saleem on 19 Nov 2018
When my oldest son turned 19 last year, he was very surprised when I insisted that he apply for his first credit card – a student credit card with a low limit and no annual fee. He happily obliged!
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Do You Have a Will?
By John Hale on 21 Oct 2018
Is that will of yours looking a little worn and tattered or perhaps you don’t have a will at all?If the answer is yes, you are not alone.
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Making the Best Use of Your Home Equity in Retirement
By Rick Orford on 20 Oct 2018
In the past 10+ years, Vancouver homeowners have enjoyed significant increases in property values. In some cases, property values have increased 2x and 3x
-
Sequence of Returns Risk
By Nick Hearne on 17 Sep 2018
Most investors understand that to achieve their long-term target rate of return, they will need to accept some volatility in the short and medium term.
-
Reaching Our Goals
By Cecilia Tsang on 15 May 2018
Recently I was sick after coming back on from a trip. This was the first time my husband and I traveled together without the children and I was looking forward to spending quality time with them upon my return.
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Undue Influence – Avoid an Undoing
By Teresa Black Hughes on 27 Apr 2018
I had a pastor many years ago who often said, “If it weren't for people…”.
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Your Love Letter: New Year’s Resolution
By Patrick McGuire on 24 Jan 2019
Love isn’t in the big gestures. It’s in the small details – the everyday minutiae of the lives of people that we care for.
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Do You Have a Will?
By John Hale on 21 Oct 2018
Is that will of yours looking a little worn and tattered or perhaps you don’t have a will at all?If the answer is yes, you are not alone.
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Cherry and Pumpkin Pie – A Legacy Recipe
By Patrick McGuire on 10 Oct 2018
I love pie! The invitation for family Thanksgiving Dinner came via text: the menu included a cherry & pumpkin pie. I began to imagine the texture and taste of this interesting blend of favourites, eager to try this new
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Wills Variation Estate Primer
By Erin Hatch on 07 Jul 2018
As you make decisions regarding your estate and succession planning, you want to ensure that your final wishes will be upheld and withstand judicial scrutiny.
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Undue Influence – Avoid an Undoing
By Teresa Black Hughes on 27 Apr 2018
I had a pastor many years ago who often said, “If it weren't for people…”.
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Thank you for partnering with us...
By Mark Neufeld on 02 Oct 2017
On Saturday, August 26th and 27th, our RGF team, the Market Cycles took part in the 2017 Ride to Conquer Cancer – our ninth in as many years.
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Sharing is Caring
02 Oct 2017
Do you ever find that you can rationalize putting off important responsibilities because they may be painful or cause discomfort?
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Q and A: What is an annuity and how does it work?
03 Jul 2017
A life annuity is a financial vehicle that allows you to exchange a lump sum of capital for a guaranteed income for as long as you live (or you and your spouse or partner lives).
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The Right Kind of Mortgage Protection
By Shaun Sun on 03 Jul 2017
If you’ve had to obtain a mortgage to purchase a home or condo, you will have noticed the number of times insurance was discussed.
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Not for Profit – An Abundance of Opportunity
By Teresa Black Hughes on 16 May 2017
Many of us are involved in our communities with not-for-profit and charitable organizations. Passion moves us to serving and giving to organizations that make a difference in other people’s lives. Just as a financial plan makes a difference in guiding your personal financial situation, so does good governance and leadership in these not-for-profit and charitable organizations.
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Taking Stock and Making Resolutions
By Anne Hammond on 15 Dec 2016
As the year draws to a close… if you’re like me, you may be looking back over the year – considering what worked, what didn’t, and what you might like to do differently or focus on next year.
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A Recap of our Annual Ride to Conquer Cancer
By Mark Neufeld on 03 Oct 2016
On Saturday August 27th and 28th our team, the Market Cycles, of Rogers Group Financial took part in the 2016 Ride to Conquer Cancer – our eighth in as many years.
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Giving Back to Make a Difference
By Patrick McGuire on 03 Oct 2016
I have been actively involved with charitable organizations for the past 19 years, but I have been charitably-minded my whole life.
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What's Right When Things Go Wrong?
By Brett Simpson on 03 Oct 2016
There are some risks that we take purely for the fun of it: skinny-dipping, roller coasters, even alcohol consumption. These risks range from fairly benign to potentially catastrophic.
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Beneficiary Designations – benefits and considerations
21 Sep 2016
Individuals have the option to designate beneficiaries directly on assets such as registered plans, investment and insurance products and annuities. Electing this option results in the proceeds of an asset to by-pass the estate and flow directly into the hands of a beneficiary (or beneficiaries). Naming beneficiaries is an important estate planning tool and some of the key benefits are provided below:
