Financial Security Planning

Developing a successful retirement plan involves carefully considering a wide range of factors. We’ll help you analyze your current situation and create a plan for achieving your financial goals.

  • Financial Security Planning is the process of meeting the goals of your life through the proper management of your financial resources.
  • It covers all matters related to your estate and your current financial situation choosing and managing your investments, retirement and estate planning, your insurance needs and tax planning.
  • The financial security planning process is a comprehensive exercise, a logical step-by-step approach undertaken with your professional advisor to deliver a tailored, overall strategy designed to satisfy your immediate concerns as well as your long-term financial security.

Mutual funds are offered by registered representatives of Desjardins Financial Security Investments, Inc. Read Disclosure . . .

Why have a Financial Services Advisor?

  • To assist with the time and effort of managing your finances
  • To get timely advice on markets and investment opportunities
  • To seek advice on tax-reduction
  • Budget planning in order to optimize their investable income
  • To optimize retirement savings

What Does a Financial Services Advisor Do?

  • Determines what your current situation is and what your objectives are for the future
  • Determines how much are you worth
  • Determines how much do you need to retire on
  • Determines when do you want to retire
  • Determines your risk tolerance and knowledge of investing

Considerations of a Financial Security Plan

  • Budgeting plan for current living expenses,
  • Specific retirement plan contributions and portfolio of investments within your registered retirement plan,
  • A non-registered investment program,
  • Advice on tax planning,
  • Advice and guidance on the drafting of your Will,
  • Your target retirement age given what you might expect from your retirement savings growth.
  • The financial plan recommendations from your advisor can be written if you so prefer, should be specific, quantifiable and attainable. You should clearly understand every aspect of the plan and be confident it is tailored to your means and will deliver the expected results.

Implementation of the Plan

  • Your financial services advisor can assist with the implementation of your plan. Provide the initiative to execute the plan and the discipline to stick with it as well as recommendations with respect to other professionals whose services you may require at this point – e.g. lawyer, accountant, or stockbroker.

Periodic Review of your Plan

  • Because your plan has quantifiable, measurable goals your advisor can review the plan from time to time and assess its effectiveness. Are your investments current and performing as expected? Has your tax liability changed significantly? Has there been a change in your personal situation that might affect your estate plans – a marriage?; the birth of a child or grandchild? The regular review of your plan is an important and often neglected step in the overall planning process.

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