Financial Planning
Financial Planning
Each and every financial plan is different. My duties are to evaluate your current situation, establish your short and long-term goals, and put a plan together that takes into consideration all of these things and maybe some that you haven’t considered. It all begins with a budget. Here is a great place to start if you are unsure about how to create and function with a realistic budget: Budget Calculator. With a solid budget in place, we can look at realistic goals in the near term as well as the long-term. This is where using the products and services of a Financial Planner come in. We help you allocate your assets in the most effective way to achieve these goals. Any financial plan is a living breathing thing. It grows and changes over time, much like your children. It has to be monitored and adjusted on a regular basis and in particular, at those major life moments that come for all of us.
Your job is to have goals and dreams. My job is to help you get there!
Estate Planning
If you have made it to retirement with or without the help of a financial advisor that’s okay. The questions you may have at this point include “will my money last?” and “will there be anything left for my kids?” The other important, but often overlooked, factor to consider is your tax liability upon death. Are you giving what’s left to your kids or the government?
Having an Estate Plan to deal with al these issues can be worth more than you think!
Other common mistakes include when to start your CPP payments, when to convert to RRIF from RRSP and also how much should be withdrawn from those accounts in retirement to be tax efficient.
Corporate Wealth Strategies