top of page
bgImage

 

Adulting / Pre Retirement

With increased experience and a healthier bank account, looking ahead has become more manageable. The stress of covering next month's bills has eased, but while the mortgage no longer keeps you awake, planning for the future may still prompt some restless nights.

Questions loom: How will you fund your son's education? The cost of your daughter's lessons is escalating. Your aging mother might need to move in, and your spouse just dropped the bombshell of a potential job loss.

In this life stage, you may find yourself squeezed between the responsibilities of caring for both your children and aging parents.

Rest assured, you're not alone.

A financial advisor can assist in prioritizing your goals and charting a course for their achievement. As your financial standing advances, new possibilities emerge—some you might not have considered. Whether it involves mortgage refinancing, consolidating consumer debt, adjusting your retirement plan, or tax planning, an advisor can guide you to maximize your potential.

When feeling cornered, maintaining an objective perspective can be challenging. A financial advisor is your ally, well-versed in available options and capable of devising creative solutions to seemingly insurmountable problems. They are there to ensure you're making the most of your potential and help you lead the life you aspire to.

Your major financial obligations may include

  • Reduced or eliminated mortgage payments
  • A vacation or retirement property
  • Repaying home equity loans
  • Costs associated with a more affluent lifestyle (such as golf, sailing, and travel)
  • Financial care of aging parents
  • Income taxes
  • Automobile(s)

Your financial priorities may include

  • Reducing income taxes
  • RRSP contributions
  • Planning your retirement
  •  Reducing investment risk so you won’t jeopardize your retirement savings
  • Estate planning
  • Downsizing in the housing market to free up capital
  • Income splitting

The magic ingredient to their success is the power of compound growth on savings...The other key ingredient is time to allow compound growth to work its magic. And it is never too late to put compound growth to work for you. Whether you are in your early 20's or even in your late 50's time and compound growth on your savings can work for you.

Financial Planning

Many people will offer you advice on which investments to buy. But there's more to your financial life than your RRSP. Estate taxes, income taxes, and education funds for your children are just some of the other...

RSP

A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner can establish and contribute into until...

Investments Management

Today there are over 16,000 mutual funds available across Canada. In order to assist our clients with creating quality portfolios, we use sophisticated database software to select only those mutual funds that...

Retirement Planning

Taxes are a fact of life. They affect every Canadian in most aspects of their lives. Whether it's earning an income, making a purchase, owning real property, investing, running a business, or...

TFSA

A Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for...

RESP

Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student usually pays little or no tax on...

bottom of page