Personal Financial Planning Throughout Your Life

Paying down student loans, saving for downpayments, raising children, caring for elderly parents, paying off mortgages, planning for retirement… oh my!

Some of these goals can seem down-right overwhelming and can make you want to toss aside your
unopened credit card bill. Wouldn’t it be great to understand how to approach these goals while
still eking out an enjoyable and comfortable standard of living?

Topics will include:

  • Creating a Sustainable Standard of Living for Life
  • Debt is a “Four Letter Word”
  • Preparing for Life’s Challenges

Keep More of What You Earn

Instead of thinking of taxes as one of the two certainties in life, consider it as a controllable expense. This informational seminar is sure to provide you with a myriad of easy-to-implement strategies.

Topics will include:

  • Understanding the Canadian Tax System
  • Easy and Effective Strategies to Minimize the Tax That You Pay
  • Contribute to Your RRSP or Pay Down Your Mortgage?

Retirement Planning: Taking the Guesswork out of your Golden Years

You can hardly wait for retirement; when you can finally devote time to the activities and people that mean the most to you. But what retirement lifestyle can you realistically afford?

Are you financially prepared for life without a steady paycheque? This retirement planning seminar
will help you to determine the retirement income that awaits you, and give you strategies to enhance it.

Topics will include:

  • Your Personal Retirement Income Summary
  • Investing 101 – Time Is On Your Side
  • Why TFSAs might be more valuable to you than RRSPs


Money Management – The In’s and Out’s of Budgeting

“Watch the pennies and the dollars will take care of themselves.” More than just a cliché, money management is the single most powerful planning tool at your disposal. The moral is simple – live within your means. But do you really know where your money is going?

This seminar will focus on strategies that will help you to become disciplined about spending and saving – making certain that you can reach your financial goals.

Topics will include:

  • Coming to terms with your true spending habits
  • The true costs of what you spend
  • Laying the framework to make sure that you can handle life’s challenges


Investing 101

Many people believe that investment strategies are reserved for the ultra-wealthy. Others are intimidated and believe that their money is best stored in their freezer or mattress.

Nothing could be further from the truth. Solid investment strategies will help to bridge the gap between what you have and what you want – with your individual risk tolerance in mind. This interactive seminar is designed to empower you to become a more active and confident participant in your investments.

Topics will include:

  • Investing vs. gambling
  • Understanding how market forces work and how to keep cool during volatile times
  • Using the tax treatment of investments to your advantage
  • Matching your investment strategy to your ultimate goal