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What is a Financial Plan?


A financial plan is a comprehensive evaluation of someone's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawalplans.


Through preparing a financial plan you will:


  • Identify and understand where and what you spend your money on

  • Understand, organize, and structure debts efficiently;

  • Understand where and what your money is invested in;

  • Set goals that are specific, measurable, attainable, realistic, and time limited;

  • Learn effective way to reduce your taxes every year and over your lifetime;

  • Develop solutions to further reduce taxes and increase personal wealth;

  • Identify areas of personal risk and develop solutions to protect against them;

  • Determine investment returns needed and structure asset allocation;

  • Develop solutions to protect and reduce liability;

  • Learn and understand effective ways to donate to charity;

  • Learn how and when to draw income from various sources such as RRSP, CPP, trusts, etc.;

  • Develop income splitting strategies to reduce taxes and avoid government benefit clawback; and

  • Learn ways to get money out of RRSP’s effectively tax free.


Most importantly: Achieve peace of mind through having a solid understanding and confidence in your finances!  To achieve your peace of mind for a better quality of life please contact us.


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