Financial Planning

The perfect storm can be on the horizon, but with proper planning and saving, you will have the opportunity to sail smoothly through life’s seasons. The most important step is providing clear financial solutions. Joanne's role is to understand your unique objectives and goals. Financial planning is not the same as investment advice. Financial planning takes a complete look at all of your income and expenses. Joanne provides comprehensive plans for retirement planning, education planning, investment management, risk-insurance management, tax planning, and estate planning with clear solutions. Joanne has the expertise and programs to design a custom financial plan for you based on your goals and objectives.

INTRODUCTION

“The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.” - Proverbs 21:5

How do I know I Need a Financial Plan?

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HOW DO I KNOW I NEED A FINANCIAL PLAN?

People hire financial planners for many reasons. These questions may help you decide if you need professional financial advice:

Do you have the time to attend to your personal financial affairs? Are you confused about where to invest your money? Has there been a recent change in your life that could affect your financial future, such as retirement, marriage, job loss, an addition to your family, or loss of a loved one?

Want to make smart choices about money before, during and after a major life transition such as, retirement, divorce, a career change, downsizing my home, or receiving a large inheritance?

Do you want to develop and implement a written financial strategy in order to achieve important goals in life?

How much do you need to retire?

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Why Choose a CERTIFIED FINANCIAL PLANNER^® Professional?
WHY CHOOSE A CERTIFIED FINANCIAL PLANNER^® PROFESSIONAL?

A CFP^® professional possesses the expertise to skilfully navigate all aspects of your financial future. They identify, and analyze how different and sometimes conflicting areas impact each other. It is the financial planner’s responsibility to competently and professionally gain a full picture of your personal goals, needs and priorities, including the relevant interdependencies of all aspects of your financial situation, which provides you with the greatest value. This, coupled with the fact that CFP professionals have an ethical obligation to put your interests first, makes them the appropriate choice.

CFP professionals demonstrate their financial planning competence through extensive education, a rigorous standardized national examination process, comprehensive continuing education requirements and accountability to FPSC^® for a code of ethics, practice standards and the rules and regulations of their professional body.

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The CFP designation, long recognized as the gold standard for financial planning in Canada, provides assurance that the design of your financial future rests with an individual who has met the highest standards of knowledge, skills, abilities and ethics in the financial planning profession.

RISK MANAGEMENT

Strategic risk management planning by assessing your insurance needs:

    Review existing insurance policies
    Recommending policy changes when appropriate
    Finding the best type of superior insurance protection for your situation

INVESTMENT MANAGEMENT

    Helping you understand your risk tolerance
    Determining your asset allocation needs
    Recommending the appropriate investment vehicles
    Strong investment portfolio management
    Optimize the asset mix in your portfolio
    Pension analysis

RETIREMENT PLANNING

Determines how much you need to retire comfortably
Setting clear financial retirement planning projections options for your future
Managing assets before and during retirement

Preparing you for retirement and lifetime security by providing solutions using solid investment and saving strategies

WILL AND ESTATE PLANNING

Estate planning development: You want the peace of mind that comes from knowing you’ve done your best for your family, loved ones, and important charities.
Wealth protection: Implement strategies to reduce risk and protect you from unexpected events.
Wealth transfer: Developing a tax-efficient plan for passing your assets to your heirs.

BUSINESS OWNER PLANNING

Focus on growing your business and much less on what may happen in the event of disability, retirement, or death. Joanne works closely with client accountants and attorneys to orchestrate appropriate succession stages that integrate an overall personal plan. Joanne also implements retirement plans, group benefits options for employees, exchange professional business referrals, and provides small business succession planning.

TAX MANAGEMENT

Do you feel you are paying too much tax? Looking for ways to help reduce your current and future tax burden? Together, we can find tax reduction strategies to suit your needs.

CASH MANAGEMENT

A money management system to control your cash flow, eliminate debt and save for the future.

EDUCATION FUNDING

Recommending early investment and accumulation strategies to help you save for your children’s education.

CHARITABLE GIVING

Joanne provides guidance for clients who seek better ways to give to their church and charities that are fulfilling and provide tax relief.