Whether you’ve just graduated or you’re well into your career, if you don’t have a financial plan, you need one. Your Financial Planner will help you make informed decisions and set realistic goals. You might be thinking about:
-Should I contribute to a TFSA or an RRSP?
-How much of my salary should I be saving?
-What’s the best way to pay down my student debt?
-What’s the best way to save for my first home?
Even if you’ve been saving and investing for a while, the big changes in life – kids, careers, health – can throw you off course. Your Financial Planner will help you maneuver through change, monitor your progress, and pivot when you need to. You might be thinking about:
-How much do I need to save for retirement?
-What is a diversified portfolio?
-Can I afford to change careers?
-How can I plan for a growing family and my children’s education?
As you work toward this milestone (good for you, by the way), keep in mind that watching your spending and minimizing taxes doesn’t stop at retirement. Your Financial Planner can help prepare you for life after work. You might be thinking about:
-How much money do I need to maintain my lifestyle in retirement?
-What is the best way to structure retirement income, so I don’t lose any benefits or credits?
-How can my spouse and I minimize taxes?
-How can I distribute my legacy to my loved ones?