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