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SENIOR FINANCIAL ADVISOR SENIOR INSURANCE ADVISOR
Proven Experience In Building Wealth For My Clients I received my Bachelor of Commerce (B. Comm) in Marketing from McMaster University in 1988. After graduation, I worked in customer service and inside sales roles. I wanted to start saving for retirement but knew little at the time about where to start. I met with a bank advisor hoping to get some advice and have someone explain the various investment options available to me for retirement saving. Instead, the advisor simply handed me a brochure on the different investments, told me review what they had and to come back and tell them what I wanted. This experience left me feeling that there must be a better way. I have always enjoyed helping people and I felt there was a big opportunity to help people manage their finances. As a result, I started a career in financial planning, earning my Certified Financial Planner designation and the Canadian Securities Course. I also earned my licenses in Life, Disability, Long-Term Care and Critical Care Insurance. I really enjoy working in partnership with my clients to build a pathway of financial security and success. Now having over 25 years experience in the financial industry, I work with clients to build a plan that will guide them from the start of their lives, into their wealth building years, and finally planning the transition to retirement, which includes a proper strategy to start to draw down retirement savings in a tax efficient manner.
View published source ↗Protect Your Plan - Assante Offers A Variety Of Insurance Options
Insurance is a vital, but often overlooked, component of any financial plan. We don’t like to think about bad things happening, but if they do, a life-changing event can put serious strain on a family’s finances. If a parent was to die suddenly or suffer a serious injury, there are a variety of insurance options we can provide to ensure that you can maintain your ability to pay your bills and maintain your current lifestyle. We have strategic alliances with all the major insurance companies across the country. As an insurance-licensed advisor, I can offer you the best choice of insurance products and services to meet your personal, business and wealth management needs. Some of the ways we can use our insurance solutions to protect and enhance your personal life include: And we can also offer insurance solutions to protect your business and contribute to it success by: Have you recently retired, changed employers and would like to take your benefits with you? Click here for more information. Are you self employed and like millions of other Canadians who need Medical and Dental benefits? Click here for more information and to apply online. Thinking of travellling soon and need Travel Insurance? Click here for information and to apply online. Contact me to start the discussion. Insurance products and services are provided through Assante Estate and Insurance Services Inc. Preserving your estate so that the assets your children inherit are not depleted by substantial tax liabilities. Maximizing your estate using the significant tax advantages of life insurance. Protecting your quality of life against the financial impact of prolonged illness or injury. Protecting your business against the loss of an owner or key person.
View published source ↗Sound Investment Advice For Your Future
Your investments are the engine through which you power your lifestyle, before and in retirement. Selecting the right products, appropriate to your risk tolerance is a key component in your overall financial plan. However, many Canadians don’t feel confident enough to make these choices on their own. As a Certified Financial Planner (CFP) professional, I can help you establish a budget and cash flow plan that allows you to invest for the future. I will help you choose investments that grow over time, but that are not excessively risky so that your money will be there when you need it. A study by the Financial Planning Standards Council found that 81% of people with a comprehensive financial plan felt on track with their financial affairs . This compared to 73% of people who only had limited plans and 44% of people with no plan. People with a comprehensive plan also felt the most secure and less stressed when thinking about their financial situation and their future. This same study also found that people who worked with a Certified Financial Planner professional compared to a non-certified advisor had a greater sense of financial comfort and well-being and were closer to achieving their life goals. They also reported spending more time and having a longer-lasting relationship with their advisor if that advisor had a CFP designation. Assante - an exclusive suite of managed portfolios As a wealth advisor, I can provide best-in-class products and services, which can include Assante’s exclusive managed solutions, as well as thousands of individual mutual funds, wrap programs, cash management solutions, GIC’s and specialty investments.
View published source ↗My Client's Success Comes First
Teamwork is the key to how I work with my clients. I have a team of experts behind me to provide the best recommendations and outcomes. While numbers and returns are important - there are many other things clients worry about such as: My goal is to work with you to help you plan for your future, by understanding your life goals and to ensure your plan meets your needs throughout your entire life. My approach is as follows: Contact me to start the discussion. Saving for retirement – how do I ensure my funds last me through retirement? Saving for a major purchase – purchasing a home/cottage, buying a new car/truck, owning my own business or traveling Estate planning – reviewing my will, preserving my estate for my beneficiaries, charitable giving. Paying for my child’s or grandchild’s education. What happens if my spouse gets sick or passes away? Will I still be able to maintain my standard of living? My clients and I work in partnership to understand their lifestyle needs and retirement goals. Family situations, cash flow and investment time horizons are reviewed to help me tailor my solution to each client. We review their risk-tolerance and discuss scenarios they might find themselves in to understand how they feel about different outcomes. Not every investment is right for every client. We discuss a tax and estate plan to ensure they are keeping as much money in their own hands and that their assets are protected in the event of a life changing event. From there, I develop a financial plan that includes investment recommendations and other strategies to achieve their goals. Once we are in agreement, we put the plan into action.
View published source ↗Protect Your Assets With Tax and Estate Plans
Tax Planning We can’t avoid paying taxes, but a well thought out tax plan will help you minimize what you have to pay and allow you to free up more money for investment. Having a sound tax strategy is also important as you approach retirement, to ensure that you are withdrawing income effectively and continuing to minimize tax. We will review the tax implications of your integrated wealth plan; and recommend strategies designed to minimize the tax burden on your income and investments. Estate Planning What is Estate Planning? Estate planning is the process of anticipating and arranging that your final property and health care wishes are honoured during your life and after death. It also incorporates tax minimization strategies on gifts, estate transfer across generations and income. Estate planning includes planning for incapacity as well as a plan to reduce or eliminate uncertainty concerning the administration of probate. It seeks to maximize the value of the estate while reducing taxes and other expenses. Guardians are often designated for minor children and in the event of incapacity a power of attorney for personal care and property should be in place. Having Wills and Powers of Attorney will ensure your financial matters are handled effectively. There are also tax implications that need to be considered when determining how to distribute your assets to beneficiaries. Along with our legal partners, we will work with you establish an appropriate Tax and Estate Plan to ensure your wishes are met. Contact me to start the discussion.
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