financial mapmaking
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Bill Simpson, CFPLife and Health Insurance AdvisorMutual Fund Representative*
333 Main StreetWindson (ON) G6L 1M4Tel.: 604-226-6547Toll-free: 1-866-226-6547Fax: 604-528-6589
Committed to your dreams
Our mission: to offer overall financial planning to successful entrepreneurs, business people, and seniors who have the economic means and desire to focus on their goals and appreciate the lifetime relationship we offer…
For more information on the Desjardins Financial Security Independent Network, please visit the website
dfsin.ca
Find balancethrough a healthy financial plan!
® Registered trademark owned by Desjardins Financial Security
Stephen CoxCertified Financial Planner
7001 Mumford Road, Tower 1, Suite 312 Halifax, NS B3L 4N9 Tel.: 902-446-4563 Toll Free: 1-877-256-6435 Fax: 902-446-4565
[email protected] www.stevecox.ca
* Mutual funds distributed through Desjardins Financial Security Investments Inc.
*
cooperation
Getting divorced
Changing careers
Buying a property
Protecting yourself in case of disability or critical illness
Getting married
Losing a loved one
Taking an extended trip
Making a will
Receiving an inheritance
Having a child
Starting a business
Retiring
Taking a sabbatical
Financial products and services for individuals
Your personal plan must, among other things, take the following into consideration:
Planning shareholder needs, including coverage in case of death, disability or critical illness, and buy and sell agreements
Risk management with regard to key employees and employee benefits
Individual Pension Plan (IPP)
Products and services for businesses
If you are self-employedor a shareholder in or owner of a business,you must also, among other things, consider the following:
Personal Finances • Budget planning• Debt management• Project funding
Insurance• Life insurance• Critical illness and disability insurance • Health and long-term care insurance • Personal or group insurance
Investments • Investment policy, investor profile and periodic reviews• Second opinion on your portfolio• Increasing the value of your estate• Systematically saving more • Registered Education Savings Plan (RESP)• Registered Disability Savings Plan (RDSP)
Estate• Transfer of assets at death• Testamentary trusts• Settlement costs at death• Evaluation of succession duties
Taxation• General diagnostic• Analysis of taxes on investments • Tax strategies for lifetime, death, and
foreign assets• Government programs
Retirement• Planning goals and needs• Risk management• Investment strategies
- Registered Retirement Savings Plan (RRSP) - Tax Free Savings Account (TFSA)
• RRSP loans• Payout strategies
- Registered Retirement Income Fund (RRIF)
Legal• Wills and Powers of Attorney• Marriage and civil union contracts
Because your needs change over time…Your financial strategy must be reviewed at differentstages of your life.
Financial Mapmaking
We provide a refreshing alternative to the product-focused approach taken by most financial services advisors. Instead, we focus on your specific needs offering a genuine long-term relationship to help you master your money.
Financing debt structure, the buyout of a partner, venture capital
Tax efficient strategies, savings and estate planning for your business
Insurance and Group Pension Plan
We are Financial MapmakersWe help you to design and create the financial map of your future.
This map represents your dreams and aspirations; each point of interest on the map represents a personal goal. It gives you the highest probability of achievement.
Then we will look for the “financial vehicles” to start the journey.
We find that most clients come to us having accumulated many different financial vehicles, but few of them with any strategy or coherency.
We will take a look at the financial vehicles that you already have and see if they fit into the financial map we design together. If they fit we will keep them, but if they don’t we will try to improve or upgrade them.
You wouldn’t usually start a long distance road trip with an outdated map, why should your finances be any different?
As part of our ongoing relationship, we will regularly review your progress.
Life changes; we want to ensure that we are on the right track every step of the way.
Why would you buy a financial vehicle before you design
a financial map?