Scot Ryan

Financial Advisor – Ryan Financial, St. John’s, NL

I was born/grew up in: Southern Hr., NL

I now live in: St. Philip’s, NL

I completed my training/education at: College of the North Atlantic. I completed a Business Management diploma specializing in Accounting.

Describe what you do at work.

I analyze the risk-reward trade off of mutual funds to decide which funds are best for my clients. I return phone calls and emails from my clients to answer their questions. I complete the appropriate applications and forms with my clients and then forward them to the appropriate companies for processing. I decide how much money people need to invest and what returns they need to achieve to reach their goals. To do this I have to take a large number of factors are taken into consideration to determine which products will best fit my clients need. Two main factors I have to consider are their risk tolerance and how long they plan to keep their money invested. So I have to meet with my clients on a regular basis to see if their circumstances have changed. If there are changes, we will adjust their investments to address these changes.

When I was a student I enjoyed:

How does your job affect people’s lives?

I ensure my clients have appropriate coverages of life, disability, medical & dental, critical illness and long term care insurance. I work with my clients to save for their future. The better returns I get for my clients the sooner they can retire with more money.

What motivates you in your career?

I feel satisfied when a client thanks me for helping them reach their goals. I always enjoyed math and economics and helping others. The financial products that I have to offer continue to change and evolve as the market changes. I enjoy reviewing and learning about the new products that are available. I get to meet a lot of different people from all walks of life. I enjoy meeting new people and learning about them.

When I was a student, I would have described myself as someone who:

Describe your career path to this career.

I completed a Business Management diploma where I specialized in Accounting. I spent four years working as an accountant. But I always wanted to be my own boss. I always enjoyed taking on new challenges so I decided to start my own business. I’ve been a Financial Advisor since 2004. Starting out, the early years were difficult as I had to build a client base. That involved a lot of phone calls, meetings, and personal contacts. It all worked out though as I now have a successful business.

What activities do you like to do outside of work?

I enjoy watching and playing hockey. I enjoy spending time with my wife and kids. We enjoy traveling. I volunteer with the juvenile diabetes research foundation.

What advice or encouragement would you give others seeking a similar career?

Dig in your heels and get going. This is a very rewarding career.

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