Who We Serve

Families & Individuals

I work with individuals and couples who recognize the value of proper financial planning for their financial future.

No two family situations are the same, which is why I take the time to understand your opportunities, challenges and dreams for the future. We’ll work together to develop a tailored solution to help you achieve your unique financial goals. Together, we’ll review your:

Financial Goals & Priorities
Cash Flow Management
Risk Management
Retirement Planning
Tax Planning
Investment Planning
Estate Planning

Pre & Post Retirees

When you’re ready to retire, feeling secure there will be enough income to support you for decades is paramount. You’ll be at ease, because we’ll have created a retirement strategy and income distribution plan that works for you. We’ll tackle the big questions retirees have:

Have I saved enough to retire?
How much can I spend so I don’t run out of money?
Is my portfolio invested correctly?
When should I take my CPP and OAS?
Which of my assets should I spend first?

Business Owners & Professionals

I know firsthand how running a business can lead to your personal and professional lives intertwining in ways you had not anticipated. More than general financial advice is required; you need the counsel of a professional who understands your needs and opportunities.

With me as your financial guide, we’ll navigate your personal and corporate financial planning needs. I can advise you on the best uses of your corporate structures and coordinate with your stable of professional advisors like accountants and lawyers.

Financial planning for business owners and professionals includes (but is not limited to):

Personal and corporate investment accounts
Insured retirement plans
Risk management solutions including buy/sell agreement funding, key-person protection & income replacement
Tax efficient income strategies
Business continuity & estate planning
Group health & savings plans and health spending accounts
Sheltering of Corporate Investment Income
Protecting the small business income tax rate

Women

Women face different monetary challenges than men: we tend to outlive male partners in old age, earn less in the workforce and have the burden of caring for children and aging parents. With a steeper hill to climb, I’m attuned to the financial situation faced by half the population, and I can help mitigate the external forces that can drag down a woman’s financial situation. As someone employed in an industry where only 30% of advisors are women, I can appreciate the uphill battle. My goal is to help you feel confident and knowledgeable when it comes to securing a comfortable lifestyle and retirement.

Here are some scary facts you may not know:

Only 31% of women considered themselves to be financially knowledgeable compared with 43% of men. (1)
56% of women do not have a written financial plan. Stunningly, 60% of those aged 45-54 don’t have a plan) (2)
90% of women will be the primary financial decision maker at some point in their lives (3)
Nearly four-in-10 (38%) women say they know “very little” about finance and investment (2)
30% of women saying that they have reduced or stopped retirement saving due to childcare or eldercare responsibilities (4)
Women are more likely than men to find caring roles affect their career (57% vs. 45%) with 16% having quit work to care for a loved one compared to 6% of men (4)
women aged 55+ have retirement savings of $125,000 on average compared to $250,000 for men (4)
65% of women say they are concerned about running out of money in retirement (4)

Gah! Ladies, I can help you empower you to feel confident in your knowledge and financial future.

Sources

Statistics Canada’s 2014 Canadian Financial Capability Survey
FPSC, Financial Independence Survey, February 2018
Investment Planning Council, Women and Wealth, August 2017
CIBC Women & Financial Sacrifices Poll, 2019

Mutual funds and segregated funds provided by the fund companies are offered through Worldsource Financial Management Inc., sponsoring mutual fund dealer. All other products and related services are offered through Karalyn Day.