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Credible & Personal Financial Planning

We know that living in the present and planning for the future can feel like two full-time jobs. Few real people can juggle both effectively on their own. We navigate the gap between today and the future to ensure you don’t miss opportunities to achieve your long-term financial vision. Our credible financial services are for people who want effective management of their money to meet long-term financial goals.

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Personalized Financial Planning in Canada

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Budgeting, saving and having a sound investment strategy are all parts of financial planning, but they aren't the whole picture. It’s really about identifying your life goals and plotting a course to reach them.

Once we have established your vision of success, our team will formulate a custom plan that will guide you towards realizing it.

An effective investment strategy should integrate all aspects of your financial life. This is why we take a customized, holistic approach to planning that encompasses your current needs with retirement cash-flow, tax optimization, life and disability insurance requirements, and your estate.

There are many moving parts to an effective financial plan but it is the sum of its parts that provide true peace of mind. When you know that all the complexities of your financial future are under control you can truly enjoy living in the present.

Personal Financial Services in Canada

Services

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Investing is a human capital endeavor where experience and continuity are factors to consistent success. Having an experienced team managing the various aspects of your personal finances is the best place to start.

Estate Planning

We want to make sure that all aspects of your estate are managed properly, so we take the time to consult with you and your other advisors (accountants and lawyers), ensuring nothing is left to chance.

Retirement Planning

Let’s discuss your retirement goals and identify solutions to any hurdles that stand in your way of achieving them. With a proper plan in place you can take comfort, knowing what lies ahead.

Corporate and Business Planning

As an entrepreneur or executive, your largest asset is your ownership of your company's shares and assets. How do you manage this risk? We have developed strategies to help you mitigate risk in a variety of ways.

Risk Management

Understanding and managing risk is something that our financial advisors will help you navigate. Let’s make sure you have contingency plans in place and are aware of the insurance options available to you.

Succession Planning

Our financial planners will work with you and your family to create an effective succession plan. We believe that the better educated people are and the more open communication is, the greater the likelihood your wishes about managing their future wealth can be fulfilled.

Tax Planning & Management

We want to make sure you have an optimized tax strategy. Our advisors will provide you with the support you need on both business and personal fronts.

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Frequently Asked Questions

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Financial Planning is a two-step exercise.

    • Step 1: Enumerate your income sources and contrast this tally with your expense total. You can work from monthly or annual depending on your situation. Make sure to include those pesky “one-offs” like car repairs, school activities or holidays. Include everything.
    • Step 2: Inventory all of your assets that will be used or can be potentially used as retirement funds sources such your RRSP, real estate holdings or other investments. You will then want to identify your current as well as future liabilities. These could include your mortgage or future caregiving expenses for a loved one that you expect to be responsible for.

The outcome of this two-step exercise is a tally of your future expenses and expressed a function of your available assets to fund these (as in the sources of the future cash flows). The answer is binary; you either have enough assets vs your expense, or you do not.

It was once said, “a lack of planning is a plan to fail”. Just as you bring a map (or Google Maps) with you on a road trip, you should have some idea where you want your financial journey to end. If you want to end your journey in a comfortable position and enjoy life, it is much easier to do it with a financial plan.

Absolutely. You should start with a financial plan as soon as you get your first job and want to plan for a wedding, your first home or a trip around the world. As you age, your situation will get more complicated. Taxes, estate issues, combined with less time will make most successful investors turn to a professional financial planner. Remember, this is the first time you are doing this, while the planner will have been helping people in your very same situation for years. What you are paying for is his or her experience. Just like I pay a mechanic to change my brakes even though I can watch how-to videos on YouTube, there are certain things that warrant professional advice. The mistakes are just too costly.

You want to work with a financial planner who is familiar with both your current financial situation and the type of financial health you want to achieve. Some planners work with clients who need guidance on budgeting, others will work with divorce cases or exclusively with business owners. All of these situations are unique. Look for a specialist in the specific area that relates to your situation.

The Certified Financial Planner designation is controlled by FP Canada. They ensure that the professionals who obtained this designation have demonstrated a good level of financial planning knowledge through the examination process, and ensure that the holders adhere to a code of ethics conduct and pursue a continuing education path.

That question brings on a whole host of other questions. The short answer is that your savings should be a function of your expected withdrawal from those savings at a later date. Saving is about forgoing current spending now so that you can spend it later. In the meantime, you invest your savings so that they can grow and fund your future spending. However, there are no rules of thumb, hence, you need to go through the financial planning exercise to answer this question.

A good financial planner will ask you for the information they require. The additional information required will be in essence your life plan – How do you want your professional and personal life to unfold? Where does your financial situation fit with this life plan?

Ideally, a financial plan should be reviewed every three years. You should go through the planning exercise, or at least a portion of it every five years or as your personal situation evolves.

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Schedule a 15-minute consultation with us to get started.

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Who we are

Our Team

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Ottawa Office

Benoit Poliquin
Benoit Poliquin, CFA, CFP
President & Lead Portfolio Manager
Graham Mayes
Graham Mayes, CFP, TEP, MTI
Chief Investment Strategist & Partner
Mathew Hall
Mathew Hall, CFA, CFP
Partner & Portfolio Manager
Tyson Charlebois
Tyson Charlebois, CFA
Partner & Portfolio Manager
Stephan Desbiens
Stephan Desbiens, CIM, PFP
Partner & Associate Portfolio Manager
Marlène Chainé
Marlène Chainé, CIM
Partner & Associate Portfolio Manager

Operations

Gloria Semaan
Gloria Semaan
Operations Manager
Darrell Mayo
Darrell Mayo, MFIN
Associate Portfolio Manager & Trader
Jessica El-Sheikh Ali
Jessica El-Sheikh Ali
Investment Account Manager
Nolan How
Nolan How
Intern

Toronto Office

Gerret W. Kavanagh
Gerret W. Kavanagh, CFA, CIM, CFP, FCSI, CLU, MBA, BSC
Partner & Associate Portfolio Manager

Winnipeg Office

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