Do you have an ambitious list of goals you want to accomplish, from where you are now all the way through retirement? Without a plan,
those goals are really just wishes. A comprehensive financial plan allows you to
feel confident about your finances, accomplish your goals faster, and make financial decisions that align with your values.
Do you have one or two goals you need help to accomplish, or do you need a second yset of eyes on your portfolio to know where you stand
for your retirement goal? A strategic session might
be right for you.
Comprehensive financial planning means working together to create an all-encompassing plan. If we feel we are a good fit for the long-term, we can implement it together so you can start accelerating your wealth right away. Then we meet every year to re-evaluate your plan and change it as necessary.
Your financial plan covers everything from:
short-term goals like increasing financial security, going on family vacations and purchasing rental properties, to
mid-term goals like renovating your home and helping the kids through post-secondary, to
long-term goals like having the retirement you’ve always dreamed of and leaving a legacy to your loved ones.
For this option to make sense, you should have a minimum available cashflow of between $1500-$2500 a month to allocate toward your financial goals. If that does not currently describe you, there are a few other ways we can work together!
Are you curious to see what the financial planning process looks like?Click here
If you have a specific question or goal you’d like help with, consider a strategy session. These sessions are tailored specifically to what you want to achieve.
A strategic session deals with one or two defined goals or questions. Some common examples are:
Can you show me if I am on track to meet my retirement goals, and if not what I need to do to get there?
I need a roadmap on exactly how to draw down my wealth in retirement so I don’t burn through more money than necessary.
What types of investments should I put my money in so that it is working harder for me than it currently is?
I have a chunk of money just sitting idle that I want to invest. I need to understand the risks of each investment option, and to see how the different scenarios would work.
Is it a good idea to get into real estate in my situation? What would happen if I did versus if I didn’t?
Should I pre-pay my mortgage, or pursue a different option to maximize my wealth?
Is it a good idea for us to purchase a rental property?
Our current home isn’t meeting our needs but we don’t know if we should renovate it, sell it & buy a new one, rent it out and buy a new one. I want to see how each of these options would affect our finances.
How can I minimize my final tax liability on death so I can leave a larger legacy to my family?
I know our financial security is lacking, all we have is group coverage through work. Can you help me build a nest egg, understand what our insurance gaps are and provide solutions to gain optimal security?
We offer specific strategy sessions for retirement planning, options comparison, insurance and investments.
Put your retirement plan through its paces. With a detailed analysis of current cash flow and retirement-age lifestyle income need, we test the health of your retirement plan. Our projections cover everything from government pensions like CPP and OAS, employment pensions, RRSPs/RRIFs, TFSAs, Non-Registered Investments, corporate investments, rental properties, whole life insurance… we take a detailed look at how your current plan will hold up, and what gaps there may be.
We map out up to 3 scenarios for you that takes into consideration every aspect of your financial picture and shows you all the pros and cons of each your option so that by the end of our 60-minute session, you know precisely what your best course of action is to reach your retiremet. You’ll receive a 20-30 page report that has all the details mapped out so you know exactly how to implement the plan if you wish to do it on your own. Of course, we are always here if you want our help to implement it.
Does it make your head spin trying to figure out which option is best for your particlar situation when it comes to:
paying down your mortgage or investing (or both!)
selling your home and upgrading
keeping your home as a rental and buying new, and/or
scrapping the new house idea all together and overhauling our current home?
How about the 101 investment options for that chunk of cash you've had laying around because you've been in analysis paralysis?
Or perhaps you're trying to figure out the best way to leave the most to your kids as a legacy and less to the government when you pass?
After a thorough analysis of where you are today and mapping out detailed projections for all of the options that have been taking up your mental space, we lay out the pros and cons of each scenario. This way, you can see clearly what the best decision is for your particular situation. At the end of our 60-90 minute session, you’ll receive a 20-30 page report that has all the details mapped out so you know exactly what to do and when.
Don’t have insurance or not sure if your insurance coverage is actually what you need? We will meet and analyze your current coverage, your goals and requirements, and identify any coverage gaps. The session fee is fully refundable if you decide to have us implement our recommendations.
Have a bunch of money just sitting in cash and you want to have it start making you money?
Maybe you're not ready for a full financial plan yet?
These are all great reasons to consider an investment consult.
In a 60-90 minute meeting, we will guide you on investment types, investment styles, risk tolerance based on your unique needs and portfolios you can invest in right away if you choose. If you’re not ready to move forward, you don't have to — feel free to take the information and implement it on your own if you'd like too!
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