Financial Planning

The top 6 financial planning questions that we typically hear:

  • How long will my money last so that I will be OK?
  • How much can I spend so I won’t run out of money?
  • When should I take my government benefits (CPP/QPP and OAS)?
  • Which of my assets should I spend first?
  • I’m currently saving $X – is this going to be enough?
  • How much can I pass on to my children when I die?

A financial plan looks at where you are today and where you want to go. It determines your short, medium and long term financial goals and how you can reach them.

Why do you need a Financial Plan?

  • Worry less about money and gain control.
  • Organize your finances.
  • Prioritize your goals.
  • Focus on the big picture.
  • Save money to reach your goals.

What does a Financial Plan include?

There are 2 main sides your financial plan should address: Accumulation and Protection

Accumulation:

  • Cash Management – Savings and Debt
  • Tax Planning
  • Investments

Protection:

  • Insurance Planning
  • Health Insurance
  • Estate Planning

Next steps…

  • Talk to us about helping you get your finances in order so you can achieve your lifestyle and financial goals.
  • Feel confident in knowing you have a plan to get to your goals.
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How We Work Together

Our process is simple but thorough, designed to guide you through each phase of your retirement planning. After our introductory meeting, if we’re both ready to move forward, we begin the 4E’s process. If not, we part ways.

We get a clear picture of where you are today and where you want to go. This is the foundation for your personalized retirement plan.
Benefit: A solid understanding of your financial situation ensures we’re aligned with your goals.

Together, we design a customized strategy for your future. You’ll be directly involved in shaping your plan, making sure it reflects your vision for retirement.
Benefit: Your plan is tailored to your unique needs and goals.

With the strategy in place, we implement it and keep everything on track. I’ll manage the details so you can focus on what matters most.
Benefit: The complexities of your plan are handled, allowing you to enjoy peace of mind.

We review and adjust your plan as life changes. Regular check-ins ensure you stay on track, no matter what comes your way.
Benefit: Flexibility and ongoing support keep your plan aligned with your evolving goals.

Ready to get started?
Schedule a call today to begin your journey through the 4E’s Retirement Process.
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