[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#3a5030″ background_color_gradient_start=”#4c683f” background_image=”https:\/\/financialadvise.ca\/wp-content\/uploads\/2022\/06\/calg.jpg” background_blend=”overlay” custom_padding=”65px||65px||true|false” custom_css_main_element=”background-attachment: fixed;” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_text_color=”#FFFFFF” text_font_size=”18px” text_letter_spacing=”3.7px” header_font=”Barlow Condensed|300|||||||” header_text_color=”#FFFFFF” header_font_size=”48px” header_letter_spacing=”-0.1px” text_orientation=”center” global_colors_info=”{}”]<\/p>\n
THE FINANCIAL PLANNER CALGARY TRUSTS<\/p>\n
[\/et_pb_text][et_pb_divider color=”#FFFFFF” divider_weight=”2px” _builder_version=”4.16″ _module_preset=”default” width=”39%” module_alignment=”center” custom_margin=”-8px||||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” background_image=”https:\/\/financialadvise.ca\/wp-content\/uploads\/2022\/09\/munish-financial-plan.jpg” background_position=”top_center” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” height_tablet=”450px” height_phone=”300px” height_last_edited=”on|phone” custom_padding=”||||true|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”7%|7%|7%|7%|true|true” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_2_font=”|300|||||||” header_2_font_size=”42px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_divider color=”#f58420″ divider_weight=”2px” _builder_version=”4.16″ _module_preset=”default” width=”100px” module_alignment=”left” custom_margin=”20px||2px||false|false” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”||||||||” global_colors_info=”{}”]<\/p>\n
A financial plan determines where you are today and where you want to go. It determines your short-, medium- and long-term financial goals and how you can reach them. For individuals and families, it will help you worry less about money, focus on the big picture, and gain financial clarity.<\/span><\/p>\n There are two parts your financial plan should address:\u00a0<\/span><\/p>\n [\/et_pb_text][et_pb_toggle title=”Cash Flow Management\/Budgeting” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n Cash flow management\/Budgeting is managing the in and outflows of your money. <\/span> We identify the following:<\/span><\/p>\n <\/span><\/p>\n We help our clients to determine which debts that should be paid off first.<\/span><\/p>\n Our priority is to establish an emergency fund. An emergency fund is a cash reserve for unexpected expenses, such as major car repairs or a medical issue. In addition, you should have at least three to six months’ worth of living expenses.\u00a0<\/span><\/p>\n Next, you should set up a plan to pay debts down. Paying down debt should be a high priority for those in debt and looking to get out from under it.<\/span><\/p>\n After debts are paid off, it’s time to start saving for your short, medium, and long-term goals, including purchasing a vehicle and home and paying for education or investment property.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Tax Planning” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n Most Canadians don’t realize that tax is one of the most significant expenses in their life. <\/span>The average Canadian family now spends more of its income on taxes (36.4%) than on necessities such as food, shelter, and clothing combined (35.4%). <\/span><\/p>\n Therefore tax planning is essential. Tax planning often involves making sure you’re paying your taxes and accessing all the deductions and credits available to you. We’ll also explain financial strategies you can use throughout the year to lower the amount of taxes you have to pay.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Investments” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n There are 3-time horizons when it comes to investing:\u00a0<\/span><\/p>\n We’ll start with short-term investment options because you might need to access this money soon in case of an emergency or if you’re saving for a vacation. Therefore, your short-term savings should be easily accessible. The accounts you use for these are typically non-registered or your TFSA (Tax-free savings account).\u00a0<\/span><\/p>\n Your medium-term investments are focused on goals within 5 to 10 years. Examples include saving for the down payment of your home or paying for your child’s education.\u00a0<\/span><\/p>\n To save for the down payment of your home, you would use a non-registered account, TFSA, Registered Retirement Savings Plan (RRSP) in some cases and the new tax-free first home savings account (FHSA – not available until 2023.)\u00a0<\/span><\/p>\n Saving for retirement, when it comes to retiring, you must have a plan to make sure you have enough money to last for your retirement years. If you fail to plan, you’ll be spending your retirement years worrying about your finances instead of enjoying your time in retirement. <\/span> [\/et_pb_toggle][et_pb_toggle title=”Retirement Planning” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n Saving for retirement, when it comes to retiring, you must have a plan to make sure you have enough money to last for your retirement years. If you fail to plan, you’ll be spending your retirement years worrying about your finances instead of enjoying your time in retirement. <\/span><\/span><\/p>\n <\/span><\/p>\n We consider including the following:<\/strong><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Insurance Planning” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n It’s essential to think about your health. But, what if the unthinkable happens\u2014will you be financially prepared for the unexpected?<\/span><\/p>\n If you are serious about ensuring robust protection for your finances and your family, here are the four types of insurance you should consider:\u00a0<\/span><\/p>\n Health insurance offers protection for you and your family. It can help to pay for medical expenses not covered by regular health insurance.\u00a0 It will also provide coverage for drugs, prescriptions\u00a0<\/span><\/p>\n Disability insurance is there when you suffer from an illness or injury that prevents you from working. It provides a monthly benefit to replace lost income until the condition is resolved. This monthly benefit can be used to pay your bills and living expenses.\u00a0<\/span><\/p>\n Critical illness insurance is an insurance policy that gives the insured a lump sum payout in case of a heart attack, stroke or cancer. You can use the lump sum to pay for medical treatment not covered by the province, bills or whatever you wish so that you can focus on your recovery.\u00a0<\/span><\/p>\n Life insurance pays out a lump sum benefit in the event of death. This can be used to pay funeral expenses and final taxes and provide for your financial dependents.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Estate Planning” open_toggle_text_color=”#f58420″ open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”#f58420″ toggle_icon=”E||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#f58420″ open_toggle_icon=”B||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” _builder_version=”4.16″ _module_preset=”default” title_font=”Barlow|300|||||||” title_font_size=”20px” closed_title_font=”Barlow|300|||||||” closed_title_font_size=”20px” body_font=”Barlow|300|||||||” border_width_all=”0px” border_width_bottom=”1px” border_color_bottom=”#d4d4d4″ global_colors_info=”{}”]<\/p>\n Finally, you need to have an estate plan in place. Estate planning is planning for your assets after you’re gone. It’s essential to plan for your estate for several reasons, including:<\/span><\/p>\n Estate planning also helps avoid tax consequences and probate.\u00a0<\/span><\/p>\n While it’s challenging to talk about, it’s essential to plan in advance, so it doesn’t have to be done at a time of crisis or emotional upheaval.<\/span><\/p>\n [\/et_pb_toggle][et_pb_button button_url=”\/fee-for-service-financial-planning\/” button_text=”Fee-For-Service Financial Planning” _builder_version=”4.21.0″ _module_preset=”default” custom_margin=”25px||||false|false” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https:\/\/www.youtube.com\/watch?v=VtDfAo9wbjY” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_video][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/calendly.com\/info-financialadvise” url_new_window=”on” button_text=”Book A Meeting Today” button_alignment=”center” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ image_icon_background_color=”RGBA(255,255,255,0)” icon_placement=”left” content_max_width=”187px” _builder_version=”4.21.0″ _module_preset=”default” image_icon_custom_margin=”||||false|false” custom_margin=”||||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]+1(403)-651-0012<\/a>[\/et_pb_blurb][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font_size=”13px” global_colors_info=”{}”]<\/p>\nFinancial Planning and Wealth Management Services in Calgary\u00a0<\/h2>\n
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<\/span>This includes:<\/span><\/p>\n\n
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Comprehensive Financial Planning Services in Calgary <\/span><\/h2>\n
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<\/span>We consider including the following:<\/span><\/p>\n\n
Professional Retirement Planners in Calgary Canada<\/span><\/h2>\n
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Get Started on Your Financial Planning Today<\/b><\/h2>\n
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Get started on your financial success today. Call us to set up a meeting with us!<\/span><\/h2>\n