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Financial Planning

Comprehensive Financial Planning

We believe that a comprehensive financial plan, developed by a team of qualified CFP® professionals is an essential first step in developing an investment or risk management strategy, which is why we offer this to every client, free of charge.

Modular Planning

Although we believe the best advice comes through comprehensive planning, some clients choose to focus on specific priority areas of their financial lives. We will work with each of our clients to determine what’s most important to them and focus our advice as needed.

Key components of a comprehensive plan may include:

  • Retirement Planning
  • Insurance Needs and Risk Management
  • Investment Management
  • Debt Management
  • Tax Planning
  • Business Planning
  • Education Planning
  • Cash Flow Analysis
  • Estate Planning
  • Philanthropy
  • Emergency Planning

Does having a qualified CFP® Financial Advisor make a difference?

  • Canadians who work with a CFP professional are more likely to report their financial affairs are on track than those dealing with non-certified planners (78% vs. 54%). FPSC Value of Financial Planning study, 2009-2012, 15,000 surveys.
  • “... non-advised has 2.73 times less financial assets. ... Relative to comparable respondents who do not have a financial advisor, advised respondents feel significantly more confident that they have enough money to retire comfortably” [3,610 total respondents] Montmarquette, Claude. (2012), Econometric Models on the Value of Advice of a Financial Advisor, Centre for Interuniversity Research and Analysis on Organizations (CIRANO) and Université de Montréal

Want to hear more? What is a Financial Plan? By Bill Bell