Finance · Expert Financial Analysis
Free. No pressure. A real financial analysis with Rico.
Rico is a Financial Associate with Experior Financial Group — not a certified Financial AdvisorWhat to Expect
The analysis takes about 60 minutes and can happen in person in Penticton, over the phone, or on a video call — whatever works for you.
We go through your income, your expenses, your debts, your protection and your goals. No prep required. Rico will walk you through everything.
Some people walk in feeling overwhelmed and leave feeling like they finally have a map. That's the goal.
✕ CloseThis is not a sales pitch in disguise. The analysis is genuinely free — no hidden fees, no pressure to buy a product.
Rico believes that when people understand their financial picture, they make better decisions. That's worth giving for free.
If something comes up that Rico can help with further, he'll mention it. But there's zero obligation — it's your call, always.
✕ CloseSome people get surprised by the depth of the conversation. That's okay — but if you want to come prepared, Rico can send you the sample questions ahead of time.
You'll be asked about things like: your monthly income and expenses, what debts you carry, whether you have life insurance, what you're currently saving, and where you want to be in 5–10 years.
Nothing too complicated. Just honest questions that help build a clear picture.
✕ CloseAfter the analysis, Rico puts together a summary of what he found — the gaps, the wins, and the priorities.
Then you meet for a short 15-minute follow-up (usually a few days later) where Rico walks you through the results and you go over everything discussed.
From there, the next steps are entirely in your hands. Rico's job is to give you the clearest possible picture — what you do with it is up to you.
✕ CloseCome Prepared
You don't need to have everything figured out — but knowing what's coming helps. Rico covers six areas in the analysis. Here's a preview of each.
Honest Advice
The EFA (Expert Financial Analysis) is a proven 6-part framework used by Experior Financial advisors across Canada. Here's exactly what gets covered.
Income vs. expenses, total assets, total liabilities, and your real net worth — all in one clear picture.
Rico calculates exactly how much coverage you'd need to protect your family — and shows you the gap between what you have and what you actually need.
Using the debt snowball method, Rico shows you a clear path to becoming debt-free — often years faster and thousands of dollars cheaper.
If you have kids, Rico projects exactly how much you need to save monthly to hit your education goals — and how government grants (CESG) can help.
Year-by-year projections showing when your money runs out (or doesn't). You'll see your Financial Independence Number and exactly how to hit it.
Everything pulled together into one clear document — your gaps, your wins, your priorities, and your next steps. Something you can actually act on.
Watch & Learn
A short video walking you through the framework — what we cover, why it matters, and what to expect in your 60 minutes together.
A quick walkthrough of what your financial foundation actually looks like, and what we'll build together in your free analysis.
🎬 Video Coming SoonThe Process
Book a free 60-minute session — in person in Penticton, by phone, or video call. No prep needed. Rico will guide the whole conversation.
Rico walks you through all six areas — income, assets, debts, insurance, education and retirement. Honest questions, no judgment.
Rico puts together your EFA — a clear summary of where you stand. The gaps, the wins, and the priorities. No sugarcoating.
A short 15-minute follow-up where Rico walks you through the results. Clear next steps — and what you do with them is entirely your choice.
FAQ
Ready?
Takes about an hour. Completely free. No obligation. Just an honest look at your finances with someone who genuinely wants to help.