It’s a common misconception that only millionaires benefit from the services of a financial planner but the truth is many people will find value in the advice of an expert.

What can a financial planner do for you?

  • review your financial situation by looking over your tax returns, income sources, assets, wills, insurance policies and retirement and estate planning documents
  • help you establish financial goals and identify your needs now and in the future (retirement)
  • create a financial plan
  • explain the different savings and investment options (mutual funds, RRSP’s, retirement savings and pensions, stocks, bonds etc..)
  • guide you through the types of insurance to protect your family and assets
  • reduce the impact of taxes
  • connect you with professionals including accountants, lawyers etc.
  • review your progress

Seven reasons to seek financial planning advice

  • you want to learn more about ways to boost your savings (build a nest egg, pay for university)
  • you’ve experienced  a major life change (marriage, divorce, starting a family)
  • you’re not sure where to invest your money (time frames, level of risk)
  • you’ve had a windfall (won the lottery, received inheritance)
  • you’re taking care of an aging parent (estate planning)
  • you’re just starting out in your career (start saving early)
  • you want impartial advice of your financial plan (unbiased professional input)

Are you interested in meeting with a financial planner?

  • review their credentials (CFA etc.)
  • talk to them ahead of time (it’s important to feel comfortable)
  • learn more about their fee structure (fee-only, commission based)
  • write down your questions ahead of time
  • bring your financial information to your meeting (income, saving information, current investments)

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