A financial planner’s 7 areas of expertise

Leave nothing to chance

Financial planners (F.Pl.s) can assess every area of your life and help you make sound financial decisions to reach your goals.

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You may want to consult an F.Pl. in the following cases:

  • You’ve finished paying off your student loans and have landed a well-paying job
  • You’ve received an inheritance and want to know how to invest it
  • You have life goals that seem contradictory at first glance
  • You want to know how your life plans will impact your family
  • You want to know if your dreams are achievable
  • You want to maintain your lifestyle after retirement
  • You’re planning a wedding

Good financial planning is extremely useful in all of these situations and beyond—after all, financial plans are as unique as you are!

An F.Pl. can help you in the following areas:

  • Legal aspects

    The legal system in Quebec impacts every aspect of your daily life, whether you realize it or not. In particular, it defines your identity, your rights, and your obligations. Financial planners have expertise in everything involving civil status, matrimonial regimes, protection mechanisms for minors and incapacitated adults, and mandates.

  • Insurance and risk management

    Financial planners look at your financial risks and personal risks (e.g., a death in the family) to understand how they may impact your financial security, and suggest strategies for managing them.

  • Finance

    How much are you worth? Your F.Pl. understands that you’re worth far more than what’s in your bank accounts, but they need to know everything about your assets and liabilities to help you achieve your financial goals.

  • Taxation

    Taxes are necessary to fund public spending and ensure a degree of social justice. But no one should have to pay more than their fair share. Your F.Pl. can help you optimize your tax situation.

  • Investment

    Thanks to their knowledge of investment principles, F.Pl.s are able to assess your current portfolio and help you choose the right investment strategy for your situation, constraints, and goals. Then, they can help you implement this strategy and track your financial progress.

  • Retirement

    You’ll spend the last third of your life in retirement. That’s a lot of years, and you have to plan for them! Have you started thinking about how you’ll spend this time? Do you have an idea of when you’ll be able to retire comfortably? What will be your sources of income? Your financial planner can help you ask the right questions.

  • Estates

    A good financial plan takes into account the laws and regulations that apply to the transmission and preservation of your assets (i.e., your estate) upon your death. Your F.Pl.’s first priority is making sure that your estate will go to your intended beneficiaries.

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Projection Assumption Guidelines - printable leaflet

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Projection Assumption Guidelines - full version