Mona Heidari may not coach athletes but her approach to financial planning shares the same mindset as a seasoned marathon trainer. Goal-driven, strategic and built for the long haul.
As a seasoned wealth advisor with Scotia Wealth Management, she helps clients build financial plans and investment portfolios with clear goals and confidence.
And perhaps above all else, there’s an unparalleled truth in realizing that reaching financial goals is, in fact, a marathon rather than a sprint.
“Financial planning and investment portfolio management are intertwined and are not a one-time event — it’s an ongoing relationship,” Heidari says. “Life changes and so should your financial strategy. My goal is to be a long-term partner, helping clients adapt, grow and feel confident every step of the way.”
Building a lasting plan
The first step in this long-term partnership comes by way of an initial consultation focused on discovery and connection. Heidari assesses a client’s current financial situation, long-term goals, values and any concerns that keep them up at night.
From there, the partnership examines investment portfolios, income, liabilities, assets and insurance to build a fully customized financial plan that acts as equal parts road map and a collaborative, living document that’s revisited regularly.
“I also design and manage an investment portfolio that reflects the client’s risk tolerance and time horizon, ensuring the strategy directly supports their objectives,” Heidari says. “We review and adjust both the plan and investments regularly to stay aligned with any life or market changes.”
Take, for example, a family Heidari recently worked with. They came to her concerned about whether they could retire comfortably while still helping their children launch their careers and enter the real estate market, all while planning to eventually pass on their business. Heidari helped them build a comprehensive plan that addressed each of these goals, from creating an investment strategy to support retirement income to setting aside funds for down payments and developing a clear business succession plan. Today, the family feels confident knowing their future — and their children’s — is more secure and thoughtfully mapped out.
And as Heidari explains, there is a vast difference between simply investing and planning for your financial future. Investing is just one component of a financial plan, whereas planning takes a holistic view to align a client’s needs: it considers a client’s financial resources coupled with their life goals, rather than just choosing stocks or funds.
Heidari employs the same type of comprehensive understanding when it comes to retirement planning, tax strategies, investment management, risk protection, estate planning and philanthropic goals.
Mona Heidari helps families build personalized financial plans that support retirement, family goals and long-term peace of mind. Photo via iStock
Planning with purpose
Without a plan, wealth transfer can be inefficient and emotionally stressful for families. A thorough plan ensures clarity, minimizes tax burdens and allows wealth to be passed on with purpose and intent.
“The investment strategies I implement are tailored to support each client’s unique financial plan, balancing risk and return in a way that helps them stay on track and feel confident about their financial future,” Heidari says.
Whatever the task calls for, Heidari prides herself on a 360-degree, personalized approach – clients aren’t just getting investment advice or a retirement plan, they are getting a coordinated and contextualized strategy that integrates all aspects of their financial picture.
Heidari knows it’s not just about numbers on a page. She makes sure everything makes sense to her clients by using visual tools like charts, cash flow graphs and timelines to break things down in a way that’s easy to understand.
“My goal is to give clients clarity and confidence in their financial lives,” Heidari says. “Trust comes from consistent follow-through, listening deeply and providing advice that’s always in their best interest. I create a safe space for questions and tough conversations.”
Ready to feel more confident about your financial future? Connect with Mona Heidari and learn how a personalized plan can help you reach your goals by visiting www.monaheidari.com.
Mona Heidari, CIWM, CFP, PFP, BBA
Scotia Wealth Management™ | ScotiaMcLeod®, a division of Scotia Capital Inc.
1567 Marine Drive, West Vancouver, BC, Canada, V7V 1H9
T 1.604.913.7095
