Kusum Sen B.A, CLU, CHS, RIS, MDRT Life Member

Evaluator
DISC Type : Dsc

Financial Planner at Carte Financial Group

Toronto, Ontario, Canada

Overview

Kusum Sen is a dynamic financial planner with over 25 years of experience, currently with Carte Financial Group. She serves as the Professional Development Chair for the Advocis Toronto Board and holds a certificate from the IFSE Institute. Colleagues and clients describe her as knowledgeable, experienced, and diligent in her approach.

Outside of her primary financial planning role, Kusum is involved in Torontos professional community. She attends local networking and cultural events, such as those hosted by the Museum of Toronto and the Ireland Canada Chamber of Commerce, demonstrating an interest in community engagement and development.

She was once featured in My Business Magazine for her work ethic and success as a strong woman in her field.

Personality Overview

Fast But Analytical

Quality Focused

Hard To Convince

They focus on the results, but can still be quite procedural and analytical about how to get there  They have a unique set of diverse traits where they are decisive and methodical but can sometimes be extra cautious and skeptical They are not very likely to become strong advocates of your product or service

Topics They Care About

Holistic Financial Planning
Her professional philosophy emphasizes a holistic approach, ensuring her clients' goals and interests are the top priority in achieving their financial freedom.
Retirement Strategy
Frequently posts about the nuances of RRSP planning, viewing it as a critical tool for a disciplined and informed retirement strategy, not just a tax deduction.
Alternative Investments
Actively discusses the shift from traditional portfolios to alternatives like private credit and liquid alts, holding a certification in alternative and hedge funds.

Media Appearances

Kusum has no verified media appearances

Work History

6-2025
Financial Planner at Carte Financial Group
2-2011 - 3-2025
Financial Planner at Desjardins Financial Security Independent Network
2-2011 - 3-2025
Investment Fund Advisor at Desjardins Financial Security Investments Inc.
7-2008 - 11-2010
Financial Advisor at Sun Life Financial
9-2006 - 9-2008
Senior Executive Consultant at Nexus Insurance Brokers LLC

Education

3-2024 - 3-2026
Affiliate Member from STEP Canada | The Society of Trust and Estate Practitioners (Canada)
1-2025 - 1-2025
Certificate from IFSE Institute

More Information

Social Presence :

Prographics :

Exp : 40 Location : Toronto, Ontario, Canada Job Level : N/A Designation : Financial Planner at Carte Financial Group
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Insights For Selling To Kusum

During A Call Or A Meeting

DO's

  • Showcase how you can impact results but also make sure that you share detailed information too
  • Use phrases like ‘the ROI of this’, ‘X% more’ etc.
  • Be prepared for comments or questions that are critical of your product or your claims

DONT's

  • Avoid making strong statements, instead invite them to agree with you by asking them questions
  • Avoid inviting them for any social interactions until you have built some rapport with them
  • Don’t nudge them to do something by using the logic that others have done the same

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Kusum is

  • ROI matters the most to them, followed by process and finally proof of results
  • Will you ever get a clear answer from Kusum

  • They might hesitate a little, but will go ahead and say no when necessary (or asked)

Insights For Deal Planning

    How fast (or slow) will Kusum move?

  • They are unlikely to move very fast, especially when it comes to new products or services
  • Can Kusum take some risk or not?

  • They have relatively low risk-appetite and are not very likely to go for something unproven and risky

You And Kusum

Personality Compatibility


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