Services
Here's how I will help you
Cash Flow
Your money is a tool, to create a life you love. We will discuss and analyze all of your money movement. Here we will find where are you strongest and where we can improve. It's important for us to know and understand how you allocate your money and why. It's highly beneficial to dig deeper into mentality, spending habits, budgeting, or possible alternative services to save money and more!
Debt Management
Debt often feels like an uphill battle for everyone. There are 2 main types of debt: out-of-control and controlled. All debt that has no payback period would be out-of-control. Debt that has a deadline would be controlled. This does not mean either are good, bad or better than the other. What is important is that we fully understand the details of where we are, the outcomes and create the most effective debt elimination plan for you. It will have realistic and achievable milestones to get you above water again. We will accomplish this through budgeting, consolidation, equity or other options. While you can’t control inflation or interest rates, you can control the decisions you make today that will secure your financial stability tomorrow.
Income Protection
What would happen if you suffered a significant health event or died? Would your family's life be forced to change in your absence? Will your children still be able to participate in what they desire as they grow older? There are many products with both living and death benefits to help manage your expenses. Having life, critical illness or disability insurance will keep you in the driver seat through hard times. Using life insurance for income replacement can ensure your family gets to live the exact same life you have planned together, even after you are gone.
Emergency Funds
An emergency fund is VITAL to growing wealth and being financially stable. Currently 50% of Canadians are living paycheck-to-paycheck and 25% of Canadians have no means to cover a $500 unexpected expense. So, what is an emergency fund? It is a stash of money set aside to cover the financial surprises life throws your way. These unexpected events can be stressful and costly. Canadians struggle with the top 5 emergencies: Job loss, medical or dental emergency, unexpected home repairs, car troubles and unplanned travel expenses. It's important to have 3-6 months of expenses set aside. It needs to be fully liquid and accessible but away from your day-to-day accounts. Left to use for life's unexpected. Don't stress about unexpected costs and pull from your retirement plan again. I will help you get there, one baby step at a time.
Building Wealth
Nowadays, there are so many ways to invest your money that it becomes overwhelming at one point or another. Whether it is a TFSA, RRSP, Education Savings, Pensions, Unregistered accounts, Private or Corporate, I can help keep it simple and stress-free. The objective is to build a portfolio that aligns with your goals, timeline and personal risk tolerance. Our goal is to maximize the gains, while minimizing potential shortfalls. It's time to hop off the rollercoaster. When you're ready to retire, send your kids to school or make a major purchase, lets make sure your money is ready too.
Preserving Wealth
You’ve worked so hard and were extremely discipline to grow your wealth. Naturally you want to preserve it, to make it go further and have a large impact. It's just as important to feel secure in your future, as it was on your journey building your financial wellness. I can help you transition to a more conservative investment approach, one that fits your needed income and liquid cash needs, while still growing what we can. Together, we can plan for all of life’s events, even the unexpected.