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

What Can a Financial Planner Offer You?

Asset Management

  • portfolio and pension analysis

  • portfolio and asset allocation

  • portfolio rebalancing

  • fee-based accounts

  • education savings plans

  • disability savings plans

Retirement Planning

  • evaluation of retirement needs

  • pensions and government benefits

  • retirement projections

  • income splitting strategies

  • registered plans

Financial Security

  • insurance needs analysis

  • life insurance

  • income protection

  • living benefits

Cash Flow Management

  • budget planning

  • cash flow analysis and projections

  • mortgage and debt analysis

  • RRSP & investment loans

Estate Planning*

  • evaluating wills and POAs

  • tax-efficient asset transfers

  • planned giving strategies

  • transition and executor assistance

Specialized Needs

  • integrated financial strategies

  • tax minimization strategies

  • business tax strategies

  • business protection & succession

  • eldercare planning

  • action plans and specialized reports

* Thanks to the support of a dynamic team and the assistance of financial service-related experts, I am able to offer you a full range of services and advice on tax and legal issues that will benefit your financial security situation.

For more information about working with an advisor, please read more here!


I'd love to learn more about your personal needs and goals