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Cindy Peterhans, CFP®

Education

2016

  • Financial Planner CFP® - Financial Planning Standards Council

2014

  • Wealth Management Essentials - Canadian Securities Institute

2012

  • Conduct and Practices Handbook - Canadian Securities Institute

2011

  • Canadian Securities Coarse - Canadian Securities Institute

2009

  • Insurance and Accident & Sickness - Alberta Insurance Council

2002

  • Designation of Personal Financial Planner - Institute of Canadian Bankers

1998

  • Investment Funds in Canada - Institute of Canadian Bankers

Like most people, you have hopes and dreams and life goals for yourself and your family. These might include buying a home or business, saving for college education for your children, taking a dream vacation, reducing taxes, or retiring comfortably.

Financial planning is the process of wisely managing your finances so that you can achieve your dreams and goals, while at the same time helping you negotiate the financial barriers that inevitably arise in every stage of life.

Managing your personal finances can feel overwhelming. However, you don’t have to do it alone. A qualified financial planner, such as a CERTIFIED FINANCIAL PLANNER®, can help you make decisions that make the most of your financial resources.

Financial planning can help you:

  • set realistic financial and personal goals

  • assess your current financial health

  • develop a realistic, comprehensive plan to meet your financial goals

  • put your plan into action and monitor its progress

  • stay on track to meet changing goals, changing personal circumstances, changing stages of your life, changing products, changing markets and tax laws

DO YOU NEED THE SERVICES OF A FINANCIAL PLANNER?

How do you know if you could benefit from the services of a qualified financial planner? You may not have the expertise, the time, or the desire to actively plan and manage certain financial aspects of your life. You may want help getting started. You may benefit from an objective, third-party perspective on what are often emotional, difficult decisions. And in today’s hectic world, it can be beneficial just to have a financial expert looking over your shoulder to double-check your planning efforts and make sure you stay focused and follow through with your financial plans.

WHEN SHOULD YOU SPEAK WITH A FINANCIAL PLANNER?

Often a specific event or need will trigger the desire for professional financial planning guidance. These might include:

  • saving enough for retirement, or rolling over a pension, or severance package

  • handling the inheritance of a large sum of money or other unexpected financial windfall

  • preparing for a marriage or divorce

  • planning for the birth or adoption of a child

  • facing a financial crisis such as a serious illness, layoff, or natural disaster

  • caring for aging parents or a disabled child

  • coping financially with the death of a spouse or close family member

  • funding education

  • buying, selling, or passing on a family business

 
 

* Mutual funds are distributed through Desjardins Financial Security Investments Inc.