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Financial mapmaking


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Financial mapmaking

  1. 1. Find balance through a healthy financial plan!Committed Our mission: dreams to offer overall financial planning to successful to your entrepreneurs, business people, and seniors who have the economic means and desire to focus on their goals and appreciate the lifetime relationship we offer… Bill Simpson, CFP For more information on the Desjardins Financial Security Independent Network, Stephen Cox Life and Health Insurance Advisor please visit the website Mutual Fund Representative* Certified Financial Planner 333 Main Street 7001 Mumford Road, Tower 1, Suite 312 Windson (ON) G6L 1M4 Halifax, NS B3L 4N9 Tel.: 604-226-6547 Tel.: 902-446-4563 Toll-free: 1-866-226-6547 Toll Free: 1-877-256-6435 Fax: 604-528-6589 Fax: 902-446-4565 * ® Registered trademark owned by Desjardins Financial Security * Mutual funds distributed through Desjardins Financial Security Investments Inc.
  2. 2. Because your needs change over time… Financial products and services for individuals Financial Mapmaking Your financial strategy must be reviewed at different Your personal plan must, among other things, stages of your life. We provide a refreshing alternative to the product-focused take the following into consideration: approach taken by most financial services advisors. Instead, we focus on your specific needs offering a genuine long-term Taking an extended trip Personal Finances Taxation relationship to help you master your money. Retiring • Budget planning • General diagnostic • Debt management • Analysis of taxes on investmentsGetting divorced Making a will • Project funding • Tax strategies for lifetime, death, and foreign assets We are Financial Mapmakers Buying a property Insurance • Government programs We help you to design and create the financial map of your future. Receiving an inheritance • • Life insurance Critical illness and disability insurance   Retirement This map represents your dreams and aspirations; each point of interest on • Health and long-term care insurance   • Planning goals and needs • Personal or group insurance • Risk management the map represents a personal goal. It gives you the highest probability of • Investment strategies achievement. Starting a business Protecting yourself in case of disability or critical illness Investments - Registered Retirement Savings Plan (RRSP) - Tax Free Savings Account (TFSA) Then we will look for the “financial vehicles” to start the journey. • Investment policy, investor profile and periodic reviews • RRSP loans • Second opinion on your portfolio • Payout strategies • Increasing the value of your estate - Registered Retirement Income Fund (RRIF) We find that most clients come to us having accumulated many different Getting married • Systematically saving more financial vehicles, but few of them with any strategy or coherency. Having a child • • Registered Education Savings Plan (RESP) Registered Disability Savings Plan (RDSP) Legal We will take a look at the financial vehicles that you already have and see if • Wills and Powers of Attorney they fit into the financial map we design together. If they fit we will keep them, Taking a sabbatical Estate • Marriage and civil union contracts but if they don’t we will try to improve or upgrade them. • Transfer of assets at death • Testamentary trusts Losing a loved one • Settlement costs at death You wouldn’t usually start a long distance road trip with an outdated map, why • Evaluation of succession duties should your finances be any different? As part of our ongoing relationship, we will regularly review your progress. Changing careers Life changes; we want to ensure that we are on the right track every step of the way. Products and services for businesses Why would you buy If you are self-employed a financial vehicle before you design or a shareholder in or owner of a business, a financial map? you must also, among other things, consider the following: Planning shareholder needs, including coverage in Financing debt structure, the buyout of a partner, case of death, disability or critical illness, and buy and venture capital sell agreements Tax efficient strategies, savings and estate planning Risk management with regard to key employees and for your business cooperation employee benefits Insurance and Group Pension Plan Individual Pension Plan (IPP)