Cristian Gutierrez, CFP®

Your life is constantly changing: having a family, buying a home, changing jobs, facing health issues, transferring your business, planning your retirement. That's why I will make sure your financial strategy is in step with your reality, while growing your assets and maintaining your quality of life.

We will rely upon the comprehensive review of your situation and your goals that we undertook together to guide us through good times and bad. No matter what life has in store for you, you can always count on me. I'm in your corner, always there to help you stay the course and push your limits. Together, we'll do more.

My professional practice is characterized by the values I hold dear:

• Integrity and loyalty
• Availability and independence
• Professionalism and skill
• Exceptional service

I bring these values to every relationship in my practice.

When it comes to my practice, discipline is always my top priority. I've completed the necessary licensing requirements and always pursue professional skills and training so that I can put the latest industry knowledge to work for you. Desjardins Financial Security Investments Inc. ensures strict adherence to professional standards, obligations and regulations.

There are many aspects to the value of advice. Some of the value is intangible. However, there is also a substantial and growing body of research that demonstrates a measurable quantitative value of financial advice.

• After 15 years, advised investors accumulated 2.7 times more assets in 2010, 3.9 times in 2014 and 2.3 times in 2018 than comparable non-advised investors.1
• 88% of mutual fund investors agree they get better returns because of advice.2
• The value of an advisor who performs comprehensive wealth management is put at 2.88% in 2020. This is up from 2.79% in 2019.3
• Investors that have an advisor are more confident and more likely to have a comfortable retirement if they've received financial advice for at least 10 years.4
• The percentage of Canadians who say that money is their main source of stress is significantly lower among those who work with a financial planner (15% vs. 40%). Thesepeople are also much less likely than the average Canadian to develop money-related mental health challenges (16% vs. 36%).5

1. IFIC, “Financial Advice in Canada (November 2022)” (link)

2. Advisor Insights, January 2018 (link)

3. Advisor’s Edge, “Advisors add 2.88% in value, study finds” May 2020 (link)

4. IFIC. The Value of Advice Report, 2012.

5. FP Canada, “FP Canada™ 2022 Financial Stress Index” (link)

Desjardins Financial Security Investments Inc. (DFSI) is part of Desjardins Group, the leading financial cooperative in North America, with more than $397.1 billion (as of December 31, 2021) in total assets and over 53,000 employees across Canada. Desjardins is recognized for its financial stability with a capitalization ratio rated among the best in the industry. We are pleased to provide you with a wide range of comprehensive financial products and services catered to your unique needs. Together your representative and you will build a sound and valuable relationship. For more information about DFSI, simply visit the official website.