Financial Planning

Many people will offer you advice on which investments to buy. But there's more to your financial life than your RRSP. Estate taxes, income taxes and education funds for your children are just some of the other complex aspects of your total financial picture.

You need a Certified Financial Planner to help you develop an effective financial plan.

Personal financial planning focuses on you as an individual – bringing together all the financial and psychological factors that have an impact on your life.

A well-designed financial plan will help you reach your personal financial goals and objectives, and give you a greater sense of security.

Many people call themselves financial planners, but the true professional financial planning practitioner uses the Total Financial Planning Process, which is made up of six distinct steps.

  1. Helps you clarify your present situation by collecting and assessing all relevant financial data – assets and liabilities, tax returns, records of securities transactions, insurance policies, wills and pension plans.
  2. Helps you to identify financial and personal goals and objectives, and also to clarify your financial and personal values and attitudes.
  3. Helps you to identify financial problems that can create barriers to your financial independence.
  4. Provides you with written recommendations and alternative solutions. These should be structured to meet your needs without undue emphasis on purchasing specific products.
  5. Assists you to implement the right strategy to ensure that you reach your goals and objectives.
  6. Provides a review and revision of your plan to ensure that you achieve your goals.

How do you know if you need a Financial Planner?

People hire financial planners for many reasons. These questions may help you decide if you need professional financial advice.

  • Do you have the time to attend to your personal financial affairs?
  • Are you confused about conflicting financial advice from several sources?
  • Do you feel you are paying too much tax?
  • Are you confused about where to invest your money?
  • Do you feel that you can't make ends meet?
  • Do you feel that you can't save any money?
  • Has there been a recent change in your life that could affect your financial future, such as retirement, job loss, an inheritance, an addition to your family, or loss of your spouse?

Contact our office if you are looking for information about your long term financial strategy.

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What are the benefits of working with a Financial Planner?

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You are more experienced now, your bank account is larger, and it is easier to think further ahead....

Without barely a moment’s thought, you would protect your family from an immediate threat. But would...

What our clients are saying...

  • We appreciate Anthony’s efficiency, his friendly demeanour and ability to listen to our concerns. We value his honesty and willingness to adhere to our wishes, with an understanding of possible implications and his commitment to explain any negative consequences accordingly. Anthony searched out new life insurance coverage as part of our estate planning. He was thorough and communicated each step in the process to us in a timely manner. We wanted someone who thoroughly understands the financial markets and can explain them in a comprehensible manner. We wanted to work with someone who can respond readily to our needs and who can provide proper advice. Anthony delivered on what he promised and definitely met our expectations. We would absolutely recommend Anthony to our family and friends.

  • I valued Anthony’s insight and recommendation for my investments. When working with a Financial planner I am looking for value and "best bang for my bucks". He was definitely able to meet my expectations and I would be glad to refer him to family, friends and work associates.

  • Anthony was clear, concise, easy to understand and provided useful comparative statistics for our investments moving forward. Our expectations when working with a Financial Planner is that he/she will provide expertise and knowledge with regards to our investments and provide portfolio recommendations best suited to meet our goals and objectives. Anthony definitely met our expectations and we would feel comfortable referring his services to family, friends and work associates.

  • I valued Anthony taking the time to understand my needs and goals. My expectation when working with a Financial Planner is that he/she will provide guidance in respect of the options and providing clear instructions as to the expectations from me in order to achieve the goals set out. He was able to provide realistic options and clear instructions to obtain my goals and objectives. Anthony definitely met my expectations and I would feel comfortable referring his services to my family, friends and work associates.

  • My expectation when working with a Financial Planner is to have all the answers I need and to put together a plan that can work for me and my family. I valued Anthony clearly explaining and developing a concise plan as to how I can achieve the goals we set out for our family. Anthony has definitely met my expectations and I would be happy to refer to him my family and friends.

  • We appreciated Anthony's willingness to answer our questions with transparency and an appropriate amount of detail. Anthony is an extremely patient and engaged listener. He explains concepts in a way that we could easily absorb. He remembers details about our concerns and plans, and applies those elements to his recommendations on our financial management. He asks for our input and appears to remain flexible to our ideas and needs. He laid out a specific mix for our investments and explained why these are good choices for us based on his knowledge of our needs and preferences. We have enjoyed working with Anthony so far, and if our newly expanded relationship proves profitable, we certainly would recommend him to our family and friends.