{"id":6801,"date":"2025-05-09T16:36:40","date_gmt":"2025-05-09T16:36:40","guid":{"rendered":"https:\/\/advisorunlimited.ca\/?page_id=6801"},"modified":"2026-03-13T15:00:32","modified_gmt":"2026-03-13T15:00:32","slug":"home-3","status":"publish","type":"page","link":"https:\/\/advisorunlimited.ca\/fr\/home-3\/","title":{"rendered":"Advisor Unlimited"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"6801\" class=\"elementor elementor-6801\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f99f59 e-flex e-con-boxed e-con e-parent\" data-id=\"6f99f59\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f2dd523 e-con-full e-flex e-con e-child\" data-id=\"f2dd523\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b601fe elementor-widget elementor-widget-image\" data-id=\"3b601fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/advisorunlimited.ca\/fr\/winter-2025\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7403\" alt=\"AU Cover WINTER 2025\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cover_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2409dac elementor-widget elementor-widget-text-editor\" data-id=\"2409dac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"_df_button home_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"cover-story-stength-in-numbers-bcv-brings-plenty-of-brain-power-to-the-investment-table\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"34\"  >LA FORCE DU NOMBRE - BCV met une impressionnante puissance intellectuelle au service de l\u2019investissement<br \/><\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4af965e e-con-full e-flex e-con e-child\" data-id=\"4af965e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1ed70 elementor-widget elementor-widget-text-editor\" data-id=\"2f1ed70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- Noscript content for added SEO -->\n<noscript><a href=\"https:\/\/mag7montreal.eventbrite.ca\" rel=\"noopener noreferrer\" target=\"_blank\">Buy Tickets on Eventbrite<\/a><\/noscript>\n<!-- You can customize this button any way you like -->\n<button id=\"eventbrite-widget-modal-trigger-1984498139356\" type=\"button\">Order Tickets for MAG7 Montreal 2026 &#8211; presented by Advisor Unlimited\n<\/button>\n\n<script src=\"https:\/\/www.eventbrite.ca\/static\/widgets\/eb_widgets.js\"><\/script>\n\n<script type=\"text\/javascript\">\n    var exampleCallback = function() {\n        console.log('Order complete!');\n    };\n\n    window.EBWidgets.createWidget({\n        widgetType: 'checkout',\n        eventId: '1984498139356',\n        modal: true,\n        modalTriggerElementId: 'eventbrite-widget-modal-trigger-1984498139356',\n        onOrderComplete: exampleCallback\n    });\n<\/script>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f5d765 elementor-widget elementor-widget-heading\" data-id=\"8f5d765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Num\u00e9ro d'hiver maintenant disponible<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c86bcb7 elementor-widget elementor-widget-text-editor\" data-id=\"c86bcb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"_df_button home_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"digital-vaults-keep-client-information-safe\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"47\"  >Les coffres-forts num\u00e9riques prot\u00e8gent les renseignements des clients<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c5b72b elementor-widget elementor-widget-text-editor\" data-id=\"9c5b72b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"_df_button home_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"become-a-real-wealth-manager-now\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"29\"  >Devenez un v\u00e9ritable gestionnaire de patrimoine \u2013 NOW<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b11ca elementor-widget elementor-widget-text-editor\" data-id=\"55b11ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"_df_button home_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"helping-advisors-avoid-their-worst-day\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"13\"  >Aider les conseillers \u00e0 \u00e9viter leur pire journ\u00e9e<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6c5202 e-flex e-con-boxed e-con e-parent\" data-id=\"c6c5202\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bf98802 e-con-full e-flex e-con e-child\" data-id=\"bf98802\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67a5983 elementor-widget elementor-widget-image\" data-id=\"67a5983\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"281\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/02\/logo-roun-300x281.png\" class=\"attachment-medium size-medium wp-image-5465\" alt=\"Advisor Unlimited Icon\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/02\/logo-roun-300x281.png 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/02\/logo-roun-600x563.png 600w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/02\/logo-roun.png 757w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d349891 e-flex e-con-boxed e-con e-parent\" data-id=\"d349891\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<header class=\"elementor-element elementor-element-016cbfd e-con-full e-flex e-con e-child\" data-id=\"016cbfd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a920c2 elementor-widget elementor-widget-heading\" data-id=\"5a920c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DE L'\u00c9DITEUR : Geoff Kirbyson<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d24a826 elementor-widget elementor-widget-text-editor\" data-id=\"d24a826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7064\" aria-describedby=\"caption-attachment-7064\" style=\"width: 198px\" class=\"wp-caption alignleft\"><img decoding=\"async\" class=\"wp-image-7064\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-200x300.jpg\" alt=\"Geoff Kirbyson\" width=\"198\" height=\"297\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-200x300.jpg 200w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-683x1024.jpg 683w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-768x1152.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-1024x1536.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-1365x2048.jpg 1365w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-8x12.jpg 8w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Geoff2-scaled.jpg 1707w\" sizes=\"(max-width: 198px) 100vw, 198px\" \/><figcaption id=\"caption-attachment-7064\" class=\"wp-caption-text\">Geoff Kirbyson<\/figcaption><\/figure><p>Ce num\u00e9ro met en lumi\u00e8re plusieurs acteurs qui incarnent cette id\u00e9e de diff\u00e9renciation.<\/p><p>D\u2019abord, BCV Asset Management et son comit\u00e9 de placement de 12 membres,<br \/>qui r\u00e9unit pr\u00e8s d\u2019un si\u00e8cle et demi d\u2019exp\u00e9rience chaque semaine pour discuter des soci\u00e9t\u00e9s composant ses plus de 6,5 milliards de dollars d\u2019actifs sous gestion.<span style=\"font-style: inherit; font-weight: inherit;\"><br \/><\/span><\/p><p><span style=\"font-style: inherit; font-weight: inherit;\">Ensuite, Knowledge Bureau, qui offre une accr\u00e9ditation permettant aux conseillers d\u2019obtenir le titre de Real Wealth Manager. Cette d\u00e9signation les outille mieux pour g\u00e9rer la complexit\u00e9 croissante des relations clients, o\u00f9 l\u2019on retrouve d\u2019un c\u00f4t\u00e9 les conjoints, enfants, petits-enfants, beaux-parents et entreprises, et de l\u2019autre les comptables, conseillers en assurance, avocats, conseillers d\u2019affaires et m\u00eame m\u00e9decins.<\/span><\/p><p>Puis, SideDrawer, qui propose des coffres-forts num\u00e9riques \u2014 des espaces de travail authentifi\u00e9s et structur\u00e9s selon des politiques internes, permettant de partager des contenus de grande valeur avec les clients, les employ\u00e9s et les partenaires. Ces solutions servent \u00e0 \u00e9changer des donn\u00e9es en toute s\u00e9curit\u00e9, remplir des formulaire \u00e9lectroniques, lancer des flux de travail ou signer des documents \u00e9lectroniquement.<\/p><p>Vient ensuite The Smith Manoeuvre, qui incite les Canadiens \u00e0 transformer leur plus grande dette \u2014 leur hypoth\u00e8que \u2014<br \/>en dette d\u2019investissement d\u00e9ductible d\u2019imp\u00f4t, leur permettant ainsi de rembourser leur maison tout en augmentant leur \u00e9pargne-retraite.<\/p><p>Et puis, il y a Adam Payne de Kinsted Wealth, qui a commenc\u00e9 en 2013 comme simple analyste de recherche<\/p><p>et a gravi les \u00e9chelons pour devenir pr\u00e9sident de la firme de gestion de patrimoine un peu plus d\u2019une d\u00e9cennie plus tard.<\/p><p>Et enfin, il y a Care Lending Group, qui aide les conseillers \u00e0 acqu\u00e9rir de nouvelles entreprises en structurant des pr\u00eats bas\u00e9s sur les flux de<\/p><p>tr\u00e9sorerie et leur capacit\u00e9 \u00e0 rembourser la dette \u2014 une strat\u00e9gie<\/p><p><span style=\"font-style: inherit; font-weight: inherit;\">qui les distingue des banques et des autres grands pr\u00eateurs.\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">Dans un secteur en pleine mutation, ces exemples illustrent une v\u00e9rit\u00e9 simple :\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">la r\u00e9ussite appartient \u00e0 ceux qui osent se r\u00e9inventer,\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">adopter la technologie et rester profond\u00e9ment humains.\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">Diff\u00e9renciez-vous.\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">Ou laissez\u00a0<\/span><span style=\"font-style: inherit; font-weight: inherit;\">les autres vous d\u00e9passer.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18947ce elementor-widget elementor-widget-text-editor\" data-id=\"18947ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Geoff<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t<header class=\"elementor-element elementor-element-da479bf e-con-full e-flex e-con e-child\" data-id=\"da479bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf1caa elementor-widget elementor-widget-image\" data-id=\"2bf1caa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/queenston.net\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"779\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/AU_Vol2_Iss1_2025_FINAL_Page_34-779x1024.jpg\" class=\"attachment-large size-large wp-image-6863\" alt=\"Queenston\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/AU_Vol2_Iss1_2025_FINAL_Page_34-779x1024.jpg 779w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/AU_Vol2_Iss1_2025_FINAL_Page_34-228x300.jpg 228w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/AU_Vol2_Iss1_2025_FINAL_Page_34-768x1010.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/AU_Vol2_Iss1_2025_FINAL_Page_34.jpg 834w\" sizes=\"(max-width: 779px) 100vw, 779px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-262d39b elementor-widget elementor-widget-image\" data-id=\"262d39b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/socialitemediamarketing.com\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"666\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-1024x666.jpg\" class=\"attachment-large size-large wp-image-6487\" alt=\"Socialite Media Marketing\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-1024x666.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-300x195.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-768x499.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-1536x999.jpg 1536w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Socialite_Spring_2024-2048x1332.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ef64a8 e-flex e-con-boxed e-con e-parent\" data-id=\"2ef64a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c4af14c e-con-full e-flex e-con e-child\" data-id=\"c4af14c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-345ef5b elementor-widget elementor-widget-image\" data-id=\"345ef5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/go.npcdataguard.com\/-npc-tech-management\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7473\" alt=\"NPC Data Guard\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NPC_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-980006e e-con-full e-flex e-con e-child\" data-id=\"980006e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e0ac39 elementor-widget elementor-widget-heading\" data-id=\"2e0ac39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rien ne d\u00e9truit davantage la confiance des clients<\/BR>\nqu\u2019une fuite de donn\u00e9es<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea5e320 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ea5e320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44961a4 elementor-widget elementor-widget-text-editor\" data-id=\"44961a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><p><strong>NPC DataGuard repousse les pirates exp\u00e9riment\u00e9s<\/strong><\/p><figure id=\"attachment_7539\" aria-describedby=\"caption-attachment-7539\" style=\"width: 184px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7539\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_12_Image_0002-253x300.jpg\" alt=\"Larry Keating\" width=\"184\" height=\"218\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_12_Image_0002-253x300.jpg 253w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_12_Image_0002-10x12.jpg 10w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_12_Image_0002.jpg 707w\" sizes=\"(max-width: 184px) 100vw, 184px\" \/><figcaption id=\"caption-attachment-7539\" class=\"wp-caption-text\">Larry Keating<br \/>NPC DataGuard<\/figcaption><\/figure><p style=\"text-align: left;\">Larry Keating et son \u00e9quipe chez NPC DataGuard travaillent sans rel\u00e2che pour aider les conseillers financiers partout au Canada \u00e0 \u00e9viter le pire jour de leur carri\u00e8re.<\/p><p style=\"text-align: left;\">\"Bien pire que de perdre un client important ou une ligne de produits majeure, devoir \u00e9crire une lettre pour informer ses clients que leurs renseignements financiers les plus priv\u00e9s ont \u00e9t\u00e9 vol\u00e9s par des criminels est, sans contredit, la pire situation possible\",  affirme Keating, pr\u00e9sident et fondateur de l\u2019entreprise.<\/p><p>\"Depuis 15 ans, j\u2019entends des conseillers parler de l\u2019impact d\u2019une cyberattaque ou m\u00eame de la perte d\u2019un ordinateur non s\u00e9curis\u00e9. Les cons\u00e9quences sont d\u00e9vastatrices.\"<\/p><p>La facilit\u00e9 avec laquelle les cybercriminels peuvent aujourd\u2019hui rep\u00e9rer et cibler des syst\u00e8mes informatiques vuln\u00e9rables \u2014 gr\u00e2ce notamment \u00e0 l\u2019intelligence artificielle (IA) \u2014 expose les renseignements personnels et les fonds des clients \u00e0 des risques consid\u00e9rables. Si ces donn\u00e9es tombent entre de mauvaises mains, c\u2019est la carri\u00e8re m\u00eame du conseiller qui peut s\u2019effondrer.<\/p><p><a class=\"_df_button home_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"13\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ea6147 e-flex e-con-boxed e-con e-parent\" data-id=\"4ea6147\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c8b83ca e-con-full e-flex e-con e-child\" data-id=\"c8b83ca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-791cb3f elementor-widget elementor-widget-heading\" data-id=\"791cb3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONSEILS D\u2019EXPERTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31f525d elementor-widget elementor-widget-text-editor\" data-id=\"31f525d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>3 conseils pour une bonne sant\u00e9 de cr\u00e9dit \u00e0 partager avec vos clients<\/strong><\/em><\/p><figure id=\"attachment_7066\" aria-describedby=\"caption-attachment-7066\" style=\"width: 149px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7066\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-200x300.jpg\" alt=\"Stephanie Holmes-Winton headshot\" width=\"149\" height=\"224\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-200x300.jpg 200w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-683x1024.jpg 683w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-768x1152.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-1024x1536.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-1365x2048.jpg 1365w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-8x12.jpg 8w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/05\/Stephanie-Holmes-Winton-headshot-scaled.jpg 1707w\" sizes=\"(max-width: 149px) 100vw, 149px\" \/><figcaption id=\"caption-attachment-7066\" class=\"wp-caption-text\">Stephanie Holmes-Winton Founder &amp; CEO CacheFlo<\/figcaption><\/figure><p>La plupart des gens savent qu\u2019ils ont une cote de cr\u00e9dit et qu\u2019elle a une incidence lorsqu\u2019ils demandent un pr\u00eat. Mais, le cr\u00e9dit va bien au del\u00e0 de l\u2019emprunt. Ces nombres \u00e0 trois chiffres peuvent \u00e9galement servir \u00e0 d\u00e9terminer l\u2019admissibilit\u00e9 \u00e0 des rabais sur l\u2019assurance habitation ou automobile, et m\u00eame influencer les options de carri\u00e8re de vos clients. Si vous n\u2019\u00eates pas un professionnel du cr\u00e9dit, vous ne pouvez probablement pas consulter leur cote directement. En revanche, vous pouvez leur demander d\u2019y acc\u00e9der et de la partager avec vous, ainsi que leur fournir ces trois conseils.<\/p><p><span style=\"color: #000000;\"><strong>1. V\u00e9rifier r\u00e9guli\u00e8rement leur cote de cr\u00e9dit<\/strong><\/span><br \/>Une cote de cr\u00e9dit est un nombre \u00e0 trois chiffres, g\u00e9n\u00e9ralement compris entre 300 et 900. Les cotes dans la tranche \u00e9lev\u00e9e des 700 points et plus sont consid\u00e9r\u00e9es comme excellentes.<\/p><p><strong>Vos clients peuvent v\u00e9rifier leur cote de cr\u00e9dit de plusieurs fa\u00e7ons :<\/strong><\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"18\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-788547f e-con-full e-flex e-con e-child\" data-id=\"788547f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06f68b8 elementor-widget elementor-widget-image\" data-id=\"06f68b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cacheflo.ac-page.com\/cash-flow-planning-implementation-programLP\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-786x1024.jpg\" class=\"attachment-large size-large wp-image-7496\" alt=\"Cacheflo\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Cacheflo_AD1_WINTER_2025.jpg 1238w\" sizes=\"(max-width: 786px) 100vw, 786px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9d69ec e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"e9d69ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;zoomIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fc04987 e-con-full e-flex e-con e-child\" data-id=\"fc04987\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a00f15 elementor-widget elementor-widget-image\" data-id=\"9a00f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smithman.ca\/certification\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7444\" alt=\"Smith Manoeuvre\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SmithManoeuvre_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b586014 e-con-full e-flex e-con e-child\" data-id=\"b586014\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf8bfad elementor-widget elementor-widget-heading\" data-id=\"cf8bfad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Transformer votre plus grande dette\n\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba2873f elementor-widget elementor-widget-heading\" data-id=\"ba2873f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">EN OUTIL DE CREATION DE RICHESSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a7ea8 elementor-widget elementor-widget-heading\" data-id=\"23a7ea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La strat\u00e9gie Smith r\u00e9duit l\u2019imp\u00f4t et rembourse plus vite<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b58a715 elementor-widget elementor-widget-text-editor\" data-id=\"b58a715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><figure id=\"attachment_7257\" aria-describedby=\"caption-attachment-7257\" style=\"width: 170px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7257\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB-200x300.jpeg\" alt=\"Robinson Smith\" width=\"170\" height=\"255\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB-200x300.jpeg 200w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB-682x1024.jpeg 682w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB-768x1152.jpeg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB-8x12.jpeg 8w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/2021-02-BK-PhotoMOB-165HighDB.jpeg 853w\" sizes=\"(max-width: 170px) 100vw, 170px\" \/><figcaption id=\"caption-attachment-7257\" class=\"wp-caption-text\">Robinson Smith<br \/>Smith Manoeuvre<\/figcaption><\/figure><p>Un levier strat\u00e9gique face \u00e0 la crise de l\u2019accession \u00e0 la propri\u00e9t\u00e9\nAlors que l\u2019abordabilit\u00e9 du logement atteint des niveaux records \u00e0 travers le pays, une strat\u00e9gie hypoth\u00e9caire devient un \u00e9l\u00e9ment essentiel pour aider les Canadiens \u00e0 rembourser leur plus grosse d\u00e9pense tout en pr\u00e9parant leur retraite.<\/p><p>La grande majorit\u00e9 des propri\u00e9taires adoptent une approche s\u00e9quentielle de leurs finances : ils remboursent leur hypoth\u00e8que avant d\u2019\u00e9pargner pour l\u2019avenir, faute de ressources suffisantes pour faire les deux.<\/p><p>Une strat\u00e9gie pr\u00e9visible, selon Robinson Smith, pr\u00e9sident et PDG de Smith Manoeuvre Services Corp.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"20\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c43f18 e-flex e-con-boxed e-con e-parent\" data-id=\"6c43f18\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-63a8f30 e-con-full e-flex e-con e-child\" data-id=\"63a8f30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1079dbf elementor-widget elementor-widget-heading\" data-id=\"1079dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DU BUREAU DE L'\u00c9DITEUR\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7085d8c elementor-widget elementor-widget-heading\" data-id=\"7085d8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00cates-vous sur une grille de production? Le compte \u00e0 rebours est lanc\u00e9!<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d50464 elementor-widget elementor-widget-text-editor\" data-id=\"8d50464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7538\" aria-describedby=\"caption-attachment-7538\" style=\"width: 173px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7538\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_08_Image_0002-264x300.jpg\" alt=\"Michael van Lierop\" width=\"173\" height=\"197\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_08_Image_0002-264x300.jpg 264w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_08_Image_0002-768x872.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_08_Image_0002-11x12.jpg 11w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_08_Image_0002.jpg 901w\" sizes=\"(max-width: 173px) 100vw, 173px\" \/><figcaption id=\"caption-attachment-7538\" class=\"wp-caption-text\">Michael van Lierop<\/figcaption><\/figure><p>La fin de l\u2019ann\u00e9e 2025 approche, et pour de nombreux conseillers financiers, cela signifie une v\u00e9ritable course contre la montre pour conclure des affaires, r\u00e9aliser des ventes et atteindre ces objectifs souvent arbitraires avant que le calendrier ne tourne. Beaucoup de conseillers demeurent soumis \u00e0 la tradition archa\u00efque des grilles de production annuelles, qui d\u00e9terminent le taux de r\u00e9mun\u00e9ration de l\u2019ann\u00e9e suivante ainsi que divers privil\u00e8ges et avantages.<\/p><p>Ces leviers de performance, utilis\u00e9s \u00e0 tous les niveaux de la hi\u00e9rarchie corporative, sont en place depuis si longtemps qu\u2019ils sont devenus une fa\u00e7on accept\u00e9e de faire des affaires. Mais cela n\u2019a pas \u00e0 \u00eatre ainsi!<br \/>Si les compagnies d\u2019assurance vie, les agences, les firmes d\u2019investissement et les banques utilisent ces grilles, c\u2019est parce qu\u2019elles fonctionnent.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"9\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = 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class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/advisor.newoutlook.ca\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7574\" alt=\"NOW\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_NOW_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c0d4a3 e-flex e-con-boxed e-con e-parent\" data-id=\"6c0d4a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3d87203 e-con-full e-flex e-con e-child\" data-id=\"3d87203\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ca42e3 elementor-widget elementor-widget-image\" data-id=\"0ca42e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kinsted.com\/advisor-referrals\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-786x1024.jpg\" class=\"attachment-large size-large wp-image-7435\" alt=\"Kinsted Wealth\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_Kinsted_AD1_WINTER_2025.jpg 1238w\" sizes=\"(max-width: 786px) 100vw, 786px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-218fc39 e-con-full e-flex e-con e-child\" data-id=\"218fc39\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9e8eca elementor-widget elementor-widget-heading\" data-id=\"f9e8eca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Gravir les \u00e9chelons<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58459ff elementor-widget elementor-widget-heading\" data-id=\"58459ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00e0 toute vitesse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3e6380 elementor-widget elementor-widget-text-editor\" data-id=\"d3e6380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Kinsted Wealth : du bas de l\u2019\u00e9chelle \u00e0 une forte croissance<\/strong><\/em><\/p><figure id=\"attachment_7540\" aria-describedby=\"caption-attachment-7540\" style=\"width: 185px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7540\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-230x300.jpg\" alt=\"Adam Payne\" width=\"185\" height=\"241\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-1572x2048.jpg 1572w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_24_Image_0001-scaled.jpg 1965w\" sizes=\"(max-width: 185px) 100vw, 185px\" \/><figcaption id=\"caption-attachment-7540\" class=\"wp-caption-text\">Adam Payne<br \/>President Kinsted Wealth<\/figcaption><\/figure><p>Adam Payne d\u00e9tient peut-\u00eatre la plus grande collection de cartes professionnelles p\u00e9rim\u00e9es au Canada.<\/p><p>Le pr\u00e9sident de Kinsted Wealth a joint la soci\u00e9t\u00e9 de gestion de patrimoine ind\u00e9pendante bas\u00e9e  Calgary au printemps 2013 \u00e0 titre d\u2019associ\u00e9 \u00e0 la recherche et a presque aussit\u00f4t entam\u00e9 son ascension fulgurante dans l\u2019entreprise. Au cours de la d\u00e9cennie suivante, il allait occuper sept titres de poste diff\u00e9rents.<\/p><p>Il n\u2019a pas toujours envisag\u00e9 une carri\u00e8re en finance. Payne a d\u2019abord pass\u00e9 deux ans et demi \u00e0 \u00e9tudier la biologie \u00e0 l\u2019Universit\u00e9 de Calgary avant de se r\u00e9orienter vers la Haskayne School of Business.<\/p><p>C\u2019est dans l\u2019un de ses cours, qu portait sur la programmation, que sa trajectoire allait changer. Lorsque Royce Baker, alors pr\u00e9sident de Kinsted, a contact\u00e9 son professeur \u00e0 la recherche d\u2019un \u00e9tudiant ma\u00eetrisant Excel, ce dernier a imm\u00e9diatement recommand\u00e9 Payne. Les deux hommes se sont rencontr\u00e9s autour d\u2019un caf\u00e9, se sont entendus tout de suite, et Payne a rejoint l\u2019entreprise peu apr\u00e8s.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"25\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a41dc09 e-flex e-con-boxed e-con e-parent\" data-id=\"a41dc09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-09bde1b e-con-full e-flex e-con e-child\" data-id=\"09bde1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e434076 elementor-widget elementor-widget-heading\" data-id=\"e434076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planifier pour la TRANQUILLIT\u00c9\nD\u2019ESPRIT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5e143 elementor-widget elementor-widget-heading\" data-id=\"7c5e143\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Knowledge Bureau forme des conseillers strat\u00e9giques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e405b5c elementor-widget elementor-widget-text-editor\" data-id=\"e405b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_6457\" aria-describedby=\"caption-attachment-6457\" style=\"width: 173px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6457\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Evelyn-Jacks-1-224x300.jpg\" alt=\"Evelyn Jacks\" width=\"173\" height=\"232\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Evelyn-Jacks-1-224x300.jpg 224w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Evelyn-Jacks-1-766x1024.jpg 766w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Evelyn-Jacks-1-768x1027.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2024\/07\/Evelyn-Jacks-1.jpg 1055w\" sizes=\"(max-width: 173px) 100vw, 173px\" \/><figcaption id=\"caption-attachment-6457\" class=\"wp-caption-text\">Evelyn Jacks<br \/>President, Knowledge Bureau<\/figcaption><\/figure><p>Le Canada vit actuellement un transfert de richesse sans pr\u00e9c\u00e9dent entre la g\u00e9n\u00e9ration des babyboomers et leurs enfants et petits-enfants mill\u00e9nariaux. \u00c0 mesure que le nombre d\u2019intervenants dans le cercle financier d\u2019une famille augmente, le r\u00f4le du conseiller financier \u00e9volue. Non seulement doit-il demeurer \u00e0 jour sur des enjeux cruciaux tels que la fiscalit\u00e9 et la planification successorale, mais il doit aussi le faire dans un nouveau mod\u00e8le de planification du patrimoine.<\/p><p>La gestion du transfert potentiel de millions de dollars d\u2019une g\u00e9n\u00e9ration \u00e0 l\u2019autre n\u00e9cessite d\u00e9sormais plus de personnes autour de la table que jamais auparavant. Du c\u00f4t\u00e9 des investisseurs, on peut retrouver une combinaison de conjoints, enfants, petits-enfants, beauxparents et entreprises familiales \u2014 sans oublier les organismes de bienfaisance qui peuvent aussi \u00eatre concern\u00e9s.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"29\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d97db e-con-full e-flex e-con e-child\" data-id=\"70d97db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d8b9c7 elementor-widget elementor-widget-image\" data-id=\"7d8b9c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/learn.knowledgebureau.com\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7471\" alt=\"Knowledge Bureau\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_KnowledgeBureau_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c66fdc e-flex e-con-boxed e-con e-parent\" data-id=\"9c66fdc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-212dae5 e-con-full e-flex e-con e-child\" data-id=\"212dae5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0859090 elementor-widget elementor-widget-image\" data-id=\"0859090\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/iafpsymposium.ca\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-786x1024.jpg\" class=\"attachment-large size-large wp-image-7532\" alt=\"IAFP\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_IAFP_AD1_WINTER_2025.jpg 1238w\" sizes=\"(max-width: 786px) 100vw, 786px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e55058 e-con-full e-flex e-con e-child\" data-id=\"7e55058\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62599b6 elementor-widget elementor-widget-heading\" data-id=\"62599b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUTILLER LES CONSEILLERS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a4b0f9 elementor-widget elementor-widget-heading\" data-id=\"1a4b0f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">pour l\u2019avenir de la planification financi\u00e8re<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e295b0e elementor-widget elementor-widget-heading\" data-id=\"e295b0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">L\u2019avenir du conseil financier appartient \u00e0 ceux qui savent allier l\u2019expertise humaine \u00e0 l\u2019intelligence num\u00e9rique.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-956a9ce elementor-widget elementor-widget-text-editor\" data-id=\"956a9ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7541\" aria-describedby=\"caption-attachment-7541\" style=\"width: 206px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7541\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001-300x231.jpg\" alt=\"Dirk Leavesley\" width=\"206\" height=\"159\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001-300x231.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001-1024x787.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001-768x590.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001-16x12.jpg 16w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_32_Image_0001.jpg 1378w\" sizes=\"(max-width: 206px) 100vw, 206px\" \/><figcaption id=\"caption-attachment-7541\" class=\"wp-caption-text\">Dirk Leavesley<br \/>CFP\u00ae dirk@thefinancialplanners.ca<\/figcaption><\/figure><p>Dans un secteur en constante \u00e9volution, les conseillers financiers subissent une pression croissante : offrir des conseils personnalis\u00e9s plus rapidement et plus efficacement. Pourtant, beaucoup se sentent limit\u00e9s \u2014 par le temps, les outils ou la formation. Qu\u2019il s\u2019agisse de b\u00e2tir des plans complets, de sousutiliser les logiciels de planification ou simplement de se sentir d\u00e9pass\u00e9s, ces d\u00e9fis sont fr\u00e9quents\u2026 mais surtout, ils sont solubles.<\/p><p>La v\u00e9rit\u00e9 est simple : les conseillers n\u2019ont pas besoin d\u2019en faire plus \u2014 ils doivent reprendre le contr\u00f4le.<\/p><p><strong>L\u2019approche pratique de Dirk<\/strong><br \/>Je crois que chaque conseiller peut exceller en planification financi\u00e8re, \u00e0 condition d\u2019avoir les bons outils, la bonne structure et le bon soutien. Mon approche est concr\u00e8te et personnalis\u00e9e. Je commence par comprendre comment chaque conseiller travaille \u2014 comment il \u00e9tablit la relation avec ses clients, comment il pr\u00e9sente ses strat\u00e9gies et comment il cr\u00e9e de la valeur.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"33\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7ebb5 e-flex e-con-boxed e-con e-parent\" data-id=\"5b7ebb5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6525491 e-con-full e-flex e-con e-child\" data-id=\"6525491\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76a08a9 elementor-widget elementor-widget-heading\" data-id=\"76a08a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le travail d\u2019\u00e9quipe fait la force du succ\u00e8s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a3a81 elementor-widget elementor-widget-heading\" data-id=\"18a3a81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">BCV mise sur une grande expertise pour investor<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd02c52 elementor-widget elementor-widget-text-editor\" data-id=\"fd02c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7562\" aria-describedby=\"caption-attachment-7562\" style=\"width: 500px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/bcvassetmanagement.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7562\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-1024x653.jpg\" alt=\"BCV Staff\" width=\"500\" height=\"319\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-1024x653.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-300x191.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-768x490.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-1536x979.jpg 1536w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-2048x1305.jpg 2048w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_34_Image_0001-18x12.jpg 18w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/a><figcaption id=\"caption-attachment-7562\" class=\"wp-caption-text\">The BCV Group<\/figcaption><\/figure><p>Dix-neuf t\u00eates valent mieux qu\u2019une \u2014 surtout lorsqu\u2019elles cumulent plus de 150 ans d\u2019exp\u00e9rience en mati\u00e8re d\u2019investissements judicieux.<\/p><p>Lorsque le comit\u00e9 principal d\u2019investissement de BCV Asset Management se r\u00e9unit pour sa rencontre hebdomadaire du jeudi \u2014 que ce soit en ligne ou dans la salle du conseil de Winnipeg \u2014, ses 19 membres ont litt\u00e9ralement pass\u00e9 en revue toutes les options possibles du monde de l\u2019investissement.<\/p><p>Chacun partage ses notes de recherche dans le but de g\u00e9n\u00e9rer les meilleures id\u00e9es \u00e0 mettre en oeuvre dans le Fonds d\u2019actions nord-am\u00e9ricaines de BCV, qui g\u00e9rait 465 millions de dollars d\u2019actifs au 30 septembre.<\/p><p>Les recherches du comit\u00e9 s\u2019appuient sur une analyse fondamentale des entreprises et de leurs secteurs, ainsi qu\u2019une compr\u00e9hension des facteurs macro\u00e9conomiques susceptibles d\u2019influencer leur performance \u2014 avec pour objectif d\u2019identifier des entreprises chefs de file, versant des dividendes et pr\u00e9sentes \u00e0 l\u2019\u00e9chelle mondiale.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"35\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d6d2e0 e-flex e-con-boxed e-con e-parent\" data-id=\"1d6d2e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-30d158a e-con-full e-flex e-con e-child\" data-id=\"30d158a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a06e elementor-widget elementor-widget-image\" data-id=\"751a06e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/advicecafe.ca\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7525\" alt=\"Advice Cafe\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AdviceCafe_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa0b541 e-con-full e-flex e-con e-child\" data-id=\"fa0b541\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90165b5 elementor-widget elementor-widget-heading\" data-id=\"90165b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019\u00c9VOLUTION DE LA VALEUR DOMICILIAIRE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c78e0d5 elementor-widget elementor-widget-heading\" data-id=\"c78e0d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pourquoi les conseillers passent de la r\u00e9ponse aux besoins \u00e0 la cr\u00e9ation d\u2019opportunit\u00e9s<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9fecaa elementor-widget elementor-widget-text-editor\" data-id=\"f9fecaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7771\" aria-describedby=\"caption-attachment-7771\" style=\"width: 200px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7771\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/12\/AU_WINTER_2025_HR_Page_43_Image_0001-253x300.jpg\" alt=\"Jeff Thorsteinson Vice-President, Wealth Distribution at HomeEquity Bank\" width=\"200\" height=\"237\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/12\/AU_WINTER_2025_HR_Page_43_Image_0001-253x300.jpg 253w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/12\/AU_WINTER_2025_HR_Page_43_Image_0001-10x12.jpg 10w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/12\/AU_WINTER_2025_HR_Page_43_Image_0001.jpg 647w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-7771\" class=\"wp-caption-text\">Jeff Thorsteinson<br \/>Vice-President, Wealth Distribution at HomeEquity Bank<\/figcaption><\/figure><p>Pour les Canadiens de 55 ans et plus, la richesse d\u2019aujourd\u2019hui n\u2019a plus grand-chose \u00e0 voir avec celle d\u2019il y a une g\u00e9n\u00e9ration. La maison familiale n\u2019est plus seulement un lieu de confort et d\u2019ind\u00e9pendance : c\u2019est aussi le principal actif financier de nombreux m\u00e9nages. Avec plus de 2,5 billions de dollars en valeur domiciliaire d\u00e9tenus par cette tranche d\u2019\u00e2ge, il est impossible d\u2019ignorer le r\u00f4le que joue la propri\u00e9t\u00e9 dans la planification \u00e0 long terme.<\/p><p>En parall\u00e8le, les priorit\u00e9s \u00e9voluent. De plus en plus de clients souhaitent aider leurs enfants \u00e0 acc\u00e9der au march\u00e9 immobilier ou financer les \u00e9tudes de leurs petits-enfants. L\u2019allongement de l\u2019esp\u00e9rance de vie et la valeur record des propri\u00e9t\u00e9s ajoutent une complexit\u00e9 suppl\u00e9mentaire. Pour les conseillers, cela pose un nouveau d\u00e9fi : comment aider leurs clients \u00e0 pr\u00e9server leurs investissements tout en leur donnant la flexibilit\u00e9 d\u2019utiliser leur patrimoine de mani\u00e8re significative.<\/p><p>\"Les conseillers nous disent souvent qu\u2019ils n\u2019ont pas de clients qui ont besoin de ce genre de solution\", explique Jeff Thorsteinson, vice pr\u00e9sident, distribution de patrimoine chez Banque HomeEquity. \"C\u2019est justement l\u00e0 que commence l\u2019opportunit\u00e9. La conversation d\u00e9passe<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"43\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f99a0c4 e-flex e-con-boxed e-con e-parent\" data-id=\"f99a0c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7536506 e-con-full e-flex e-con e-child\" data-id=\"7536506\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f05010f elementor-widget elementor-widget-heading\" data-id=\"f05010f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 mettre SOUS CL\u00c9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49cf4d9 elementor-widget elementor-widget-heading\" data-id=\"49cf4d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">SideDrawer renforce la s\u00e9curit\u00e9 des donn\u00e9es clients<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9837824 elementor-widget elementor-widget-text-editor\" data-id=\"9837824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7228\" aria-describedby=\"caption-attachment-7228\" style=\"width: 153px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7228\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot-185x300.png\" alt=\"Ali Qureshi\" width=\"153\" height=\"248\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot-185x300.png 185w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot-630x1024.png 630w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot-768x1247.png 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot-7x12.png 7w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/Ali-Qureshi-headshot.png 846w\" sizes=\"(max-width: 153px) 100vw, 153px\" \/><figcaption id=\"caption-attachment-7228\" class=\"wp-caption-text\">Ali Qureshi<br \/>SideDrawer<\/figcaption><\/figure><p>Alors que le besoin de partager des fichiers sensibles ne cesse de cro\u00eetre, et que l\u2019intelligence artificielle transforme de simples pirates du dimanche en cybercriminels internationaux, de plus en plus d\u2019entreprises de services financiers se tournent vers les coffres-forts num\u00e9riques pour renforcer la s\u00e9curit\u00e9 de leurs transactions avec les clients.<\/p><p>On ne peut pas y d\u00e9poser de bijoux ou de lingots, mais ces coffres-forts num\u00e9riques sont des espaces de travail authentifi\u00e9s, fond\u00e9s sur des politiques internes, con\u00e7us pour le partage s\u00e9curis\u00e9 de contenus \u00e0 forte valeur avec les clients, les employ\u00e9s et les partenaires. Ils permettent de partager des donn\u00e9es et des fichiers de mani\u00e8re s\u00e9curis\u00e9e, de remplir des formulaires num\u00e9riques, de lancer des flux de travail ou encore de signer \u00e9lectroniquement des documents.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"47\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-473bdb2 e-con-full e-flex e-con e-child\" data-id=\"473bdb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9032254 elementor-widget elementor-widget-image\" data-id=\"9032254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.sidedrawer.com\/advisor-unlimited-sidedrawer?utm_campaign=10995220-Advisor%20Unlimited&#038;utm_source=ppc&#038;utm_medium=qrcode&#038;utm_content=AdvisorUnlimitedMagazine\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-786x1024.jpg\" class=\"attachment-large size-large wp-image-7459\" alt=\"SideDrawer\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_SideDrawer_AD1_WINTER_2025.jpg 1238w\" sizes=\"(max-width: 786px) 100vw, 786px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ecaf11 e-flex e-con-boxed e-con e-parent\" data-id=\"1ecaf11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-160362d e-con-full e-flex e-con e-child\" data-id=\"160362d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8f20c0 elementor-widget elementor-widget-image\" data-id=\"d8f20c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/gpmdesign.myportfolio.com\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1125\" height=\"731\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025.jpg\" class=\"attachment-full size-full wp-image-7575\" alt=\"gpm\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025.jpg 1125w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025-300x195.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025-1024x665.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025-768x499.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/gpm_Design_AD12_2025-18x12.jpg 18w\" sizes=\"(max-width: 1125px) 100vw, 1125px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0db6a97 elementor-widget elementor-widget-image\" data-id=\"0db6a97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"666\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-1024x666.png\" class=\"attachment-large size-large wp-image-7289\" alt=\"AU ad\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-1024x666.png 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-300x195.png 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-768x500.png 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-1536x999.png 1536w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-2048x1333.png 2048w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/08\/AU-ad-18x12.png 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ca5236 e-con-full e-flex e-con e-child\" data-id=\"2ca5236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3604823 elementor-widget elementor-widget-heading\" data-id=\"3604823\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019hypoth\u00e8que de votre voisin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a163ee elementor-widget elementor-widget-heading\" data-id=\"6a163ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">CMI Financial Group occupe un cr\u00e9neau cl\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-371176d elementor-widget elementor-widget-text-editor\" data-id=\"371176d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7586\" aria-describedby=\"caption-attachment-7586\" style=\"width: 182px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7586\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-223x300.jpg\" alt=\"Bryan Jaskola\" width=\"182\" height=\"245\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-223x300.jpg 223w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-762x1024.jpg 762w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-768x1033.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-1142x1536.jpg 1142w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-1523x2048.jpg 1523w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_51_Image_0001-scaled.jpg 1904w\" sizes=\"(max-width: 182px) 100vw, 182px\" \/><figcaption id=\"caption-attachment-7586\" class=\"wp-caption-text\">Bryan Jaskola<br \/>CEO, CMI Financial Group<\/figcaption><\/figure><p>Peu importe les bouleversements que conna\u00eet le march\u00e9 immobilier canadien, Bryan Jaskolka demeure concentr\u00e9 sur sa mission : aider le consommateurs qui ne se qualifient pas pour une hypoth\u00e8que traditionnelle \u00e0 obtenir un financement.<\/p><p>Le pr\u00e9sident-directeur g\u00e9n\u00e9ral de CMI Financial Group n\u2019\u00e9prouve aucun besoin de compliquer les choses inutilement.<\/p><p>\"C\u2019est l\u2019hypoth\u00e8que de votre voisin\",\ndit-il.<\/p><p>Jaskolka est convaincu que venir en aide aux consommateurs qui sont \u00ab sortis du canal bancaire traditionnel \u00bb constitue un pilier essentiel de l\u2019\u00e9conomie canadienne et de son march\u00e9 du logement.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"51\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5eb43a4 e-flex e-con-boxed e-con e-parent\" data-id=\"5eb43a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8ae8702 e-con-full e-flex e-con e-child\" data-id=\"8ae8702\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1c947 elementor-widget elementor-widget-heading\" data-id=\"ec1c947\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00e9parez-vous \u00e0 perfectionner vos comp\u00e9tences<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74e9012 elementor-widget elementor-widget-heading\" data-id=\"74e9012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L\u2019Institut rappelle : un conseiller vaut sa formation.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5979970 elementor-widget elementor-widget-text-editor\" data-id=\"5979970\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le pr\u00e9sident-directeur g\u00e9n\u00e9ral de l\u2019Institut canadien de planification financi\u00e8re (CIFP) est convaincu que d\u2019autres provinces embo\u00eeteront bient\u00f4t le pas \u00e0 l\u2019Ontario en mettant en place une surveillance r\u00e9glementaire accrue pour les personnes souhaitant porter le titre de planificateur financier ou de conseiller financier.<\/p><p>\"La prochaine province sur la liste est le Nouveau-Brunswick. La Saskatchewan est d\u00e9j\u00e0 bien avanc\u00e9e, et le Manitoba y travaille aussi. Nous anticipons que, d\u2019ici quelques ann\u00e9es, il y aura une approche harmonis\u00e9e dans l\u2019ensemble des provinces anglophones\", explique Keith Costello, en pr\u00e9cisant que le Qu\u00e9bec poss\u00e8de d\u00e9j\u00e0 son propre syst\u00e8me.<\/p><p>\"Cela s\u2019en vient dans votre r\u00e9gion. Vous feriez mieux de vous pr\u00e9parer \u00e0 perfectionner vos comp\u00e9tences.\"<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"54\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5662faf e-con-full e-flex e-con e-child\" data-id=\"5662faf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adb44f8 elementor-widget elementor-widget-image\" data-id=\"adb44f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cifp.ca\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1238\" height=\"1613\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7517\" alt=\"CIFP\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025.jpg 1238w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CIFP_AD1_WINTER_2025-9x12.jpg 9w\" sizes=\"(max-width: 1238px) 100vw, 1238px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d538b4 e-flex e-con-boxed e-con e-parent\" data-id=\"1d538b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-09cb14e e-con-full e-flex e-con e-child\" data-id=\"09cb14e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe81522 elementor-widget elementor-widget-image\" data-id=\"fe81522\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.aviso.ca\/fr\/our-services-offerings\/correspondent-and-institutional-services\/aviso-correspondent-partners\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1125\" height=\"731\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025.jpg\" class=\"attachment-full size-full wp-image-7461\" alt=\"AVISO\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025.jpg 1125w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025-300x195.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025-1024x665.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025-768x499.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_AVISO_AD12_WINTER_2025-18x12.jpg 18w\" sizes=\"(max-width: 1125px) 100vw, 1125px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3edbfd e-con-full e-flex e-con e-child\" data-id=\"a3edbfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35d2a5a elementor-widget elementor-widget-heading\" data-id=\"35d2a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DANS UN SECTEUR FINANCIER EN \u00c9VOLUTION RAPIDE,<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17687b0 elementor-widget elementor-widget-heading\" data-id=\"17687b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">la dimension humaine de PCA constitue un attrait pour la client\u00e8le<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17a5766 elementor-widget elementor-widget-text-editor\" data-id=\"17a5766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<figure id=\"attachment_7598\" aria-describedby=\"caption-attachment-7598\" style=\"width: 186px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7598\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_58_Image_0001-243x300.jpg\" alt=\"Kevin Vanderheyden senior vice-president, head of Aviso Correspondent Partners\" width=\"186\" height=\"230\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_58_Image_0001-243x300.jpg 243w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_58_Image_0001-10x12.jpg 10w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_WINTER_2025_HR_Page_58_Image_0001.jpg 647w\" sizes=\"(max-width: 186px) 100vw, 186px\" \/><figcaption id=\"caption-attachment-7598\" class=\"wp-caption-text\">Kevin Vanderheyden<br \/>Senior vice-president, head of Aviso Correspondent Partners<\/figcaption><\/figure><p>Dans un secteur financier o\u00f9 la rapidit\u00e9 passe souvent avant la substance, une soci\u00e9t\u00e9 exer\u00e7ant ses activit\u00e9s dans un cr\u00e9neau moins connu se distingue en adoptant une approche plus r\u00e9fl\u00e9chie.<\/p><p>Partenaires des correspondants Aviso (PCA) est un acteur cl\u00e9 dans le secteur des services des correspondants et institutionnels au Canada. PCA, qui travaille en coulisses, offre des services essentiels \u00e0 des centaines d\u2019institutions financi\u00e8res et \u00e0 des milliers de<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"59\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6cfe15c e-flex e-con-boxed e-con e-parent\" data-id=\"6cfe15c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ef994d e-con-full e-flex e-con e-child\" data-id=\"5ef994d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4afd8af elementor-widget elementor-widget-heading\" data-id=\"4afd8af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprendre vos besoins d\u2019affaires uniques<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da0e239 elementor-widget elementor-widget-heading\" data-id=\"da0e239\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Care Lending Group lib\u00e8re les conseillers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c652c8a elementor-widget elementor-widget-text-editor\" data-id=\"c652c8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les conseillers financiers qui souhaitent faire cro\u00eetre leur entreprise devraient chercher un pr\u00eateur qui comprend la nature particuli\u00e8re de l\u2019achat d\u2019un bloc d\u2019affaires afin d\u2019augmenter leurs chances de r\u00e9ussite future.<\/p><p>Tom de Larzac, directeur du financement des conseillers chez Care Lending Group (CLG), une soci\u00e9t\u00e9 de financement bas\u00e9e dans le sud de l\u2019Ontario, estime que de tels pr\u00eats devraient \u00eatre fond\u00e9s sur les flux de tr\u00e9sorerie de l\u2019entreprise, sa capacit\u00e9 \u00e0 rembourser la dette et ses solides tendances de performance historique, plut\u00f4t que sur des actifs limit\u00e9s et des p\u00e9riodes d\u2019amortissement plus courtes visant \u00e0 ce que les pr\u00eateurs soient rembours\u00e9s le plus rapidement possible.<\/p><p><a class=\"_df_button white_button\"  href=\"#\"  data-slug=\"volume-4-issue-1\" data-_slug=\"volume-4-issue-1\" _slug=\"volume-4-issue-1\" data-title=\"read-full-article\" id=\"df_7400\" data-df-option=\"df_option_7400\" data-page=\"63\"  >Lire l'article complet<\/a><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.df_option_7400 = {\"source\":\"https:\\\/\\\/advisorunlimited.ca\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/AU_WINTER_2025_HR_with_Links.pdf\",\"outline\":[],\"hasSpiral\":false,\"autoEnableOutline\":false,\"autoEnableThumbnail\":false,\"overwritePDFOutline\":false,\"pageScale\":\"actual\",\"maxTextureSize\":\"1800\",\"pageSize\":\"0\",\"is3D\":true,\"hard\":\"cover\",\"direction\":\"1\",\"slug\":\"volume-4-issue-1\",\"wpOptions\":\"true\",\"id\":7400}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c219e9b e-con-full e-flex e-con e-child\" data-id=\"c219e9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ecccdc elementor-widget elementor-widget-image\" data-id=\"6ecccdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/carelendinggroup.com\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"786\" height=\"1024\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-786x1024.jpg\" class=\"attachment-large size-large wp-image-7440\" alt=\"Care and Lending Group\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-786x1024.jpg 786w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-230x300.jpg 230w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-768x1001.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-1179x1536.jpg 1179w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025-9x12.jpg 9w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2025\/11\/AU_CLG_AD1_Summer_2025.jpg 1238w\" sizes=\"(max-width: 786px) 100vw, 786px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Buy Tickets on Eventbrite Order Tickets for MAG7 Montreal 2026 &#8211; presented by Advisor Unlimited Winter Issue Now Available From the Editor: Geoff Kirbyson Differentiate or die This is not your grandfather\u2019s financial services business.It has never been more apparent that no matter what your position in the sector, you simply can\u2019t mail it in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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