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What Can a Financial Planner Offer You?

Investment Plan

Includes:

  • Review of existing investments

  • Risk profile assessment, including risk tolerance capacity, and any constraints to investing

  • Straightforward discussion about your investments in language you will understand

  • Determining goals for money to be invested

  • Investment strategies

  • Discussion around asset protection and estate issues including tax minimization and efficiency

Financial Plan

Includes:

  • Determination of goals

  • Cash Flow & Debt Management

  • Retirement Planning

  • Tax minimization and efficiency

  • Investment Examination & Assessment (accumulation, growth, protection and transition)

  • Insurance Planning/Risk Management (income and asset protection)

  • Estate Planning concerns

Corporate Financial Planning

Includes:

  • Cash Flow and Corporate Financials

  • Succession of Business

  • Review of Buy/Sell Agreements

  • Insurance Planning/Risk Management

Retirement Planning

Includes:

  • Assessment of assets, debts, investments and pensions

  • Review of cash flow (income and expenses)

  • Goal determination

  • Retirement projections

  • Estate Planning concerns

  • Tax minimization and efficiency

  • Insurance Planning, Risk Management, Extended Health Care

Retirement Projection 

We will provide a streamlined analysis of what you have and what this means to you financially.

Includes:

  • Assessment of assets, debts and investments including pensions

  • Recommendations

Cash Flow Planning

Includes:

  • Net Worth Statement (assessing assets and liabilities and their use)

  • Determination of SMART goals – where do you want to be? (Specific, Measurable, Achievable, Realistic, Timely)

  • Review sources of Income

  • A written Cash Flow Plan

  • budget planning

  • cash flow analysis and projections

  • mortgage and debt analysis

  • RRSP & investment loans

Estate Planning* 

Includes:

  • Analysis of your existing plan

  • Determine your legacy goals and distribution plans

  • Assessment of current assets and liabilities including pensions and properties with an emphasis on tax and probate considerations

  • Advice and discussion of a Will, Power of Attorney documents and Guardianship

  • Advice and discussion surrounding the role of the Executor

  • Discussion surrounding the blended family situation (if applicable), families with special needs members and existing current relationships

  • tax-efficient asset transfers

  • planned giving strategies

  • transition and executor assistance

  • business succession planning

Insurance Planning

Includes:

  • Analysis of current Insurance policies in place such as Life, Disability, Critical Illness (including employer group benefits insurance)

  • Insurance Needs Analysis

  • Education of different types of Insurance

  • Purpose of insurance

  • Buy / Sell agreements

  • Keyman insurance

* 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