A smarter approach to planning your retirement.
WealthCheck© is a unique offering that helps you build a strong retirement plan.
The road to retirement has changed
Everyone is being asked to do more. Here’s another thing to add to the list: Figuring out how much to save for retirement.
Many Canadians have a retirement account at work. But most employers no longer provide a “full pension” at retirement.
When it comes to planning for retirement, you’re basically on your own.
Many Canadians are worried about money. A recent study by the Financial Planning Standards Council shows that many people are concerned about their financial situation.
Yet many don’t have a plan in place.
It doesn’t have to be this way…
Money doesn’t have to be complicated.
Making financial decisions is hard. That’s why many people turn to a trusted advisor. And for those with help, life seems a whole lot better.
One study shows that Canadians who had financial advice accumulated as much as 2.73 times more wealth than their no-advice peers. They also reported greater confidence and less stress.
Source: Value of Advice 2012, Investment Funds Institute of Canada
Meet Paul Carvalho
Paul is a finance professional with over 20 years experience. He has a Masters Degree in Business Economics, and has earned the Chartered Financial Analysis (CFA) designation.
When he’s not helping clients with their finances, he’s hanging out with his girls (daughter Lindsay and wife Lisa).
What is WealthCheck?
WealthCheck is a customized analysis of your income, cash flow, expenses, taxes before and after retirement. It was built exclusively for families and individuals in Ontario.
The information you provide will help us develop an initial investment plan, using our program that’s specifically designed for Canadians. We will be able to tell you:
- If you have saved enough for retirement.
- How much you need to save for retirement.
- What level of risk is appropriate for you.
Many Canadians have thousands of dollars saved in a variety of financial accounts (i.e. RRSPs, TFSAs, pensions plans). But many decisions are made piecemeal with no integration and no focus on the big financial picture.
By looking at your entire situation, we are able to see opportunities that others miss. We often find synergies and cost savings that are worth thousands of dollars!
Doesn’t my bank do this?
There’s certainly no shortage of people at the bank wanting to manage your money. But I think that’s a poor option for most Canadians. Here’s why:
All bank employees are motivated to sell you something. Anything. (That’s why you walk out with a new credit card and mutual fund every time you walk into a bank.)
Also, banks are only obligated to follow the “suitability standard.” That means they can sell you anything, as long as they find something “suitable” for you.
How are we different
Unbiased. We follow the highest standard in the industry: the “fiduciary standard.” That means we are professionally and ethically required to put your interests above our own.
Independent: We are not tied to any one company. We have access to all the top providers in Canada, so we can shop around to find you the best solution.
Experienced. We have years of experience providing tailored advice in the areas of investing, taxes, retirement planning, debt management, insurance and estate planning.
What do you need help with?
Here are some of the questions your plan can answer:
- How much should I save for retirement and what accounts should I use?
- Am I being tax smart or are there other things we should be doing?
- Are there ways to improve my investment portfolio?
- Can I afford to retire now?
- What’s the smartest way to draw money in retirement?
- How can I generate more investment income without taking a lot of risk?
- Can I afford to help my kids and grand kids without putting myself at risk?
How do we start?
I know that working with a financial advisor might feel a bit intimidating. So to make sure we’re a good fit, we’ll start off with a casual chat. If we decide to move to the next step, we’ll work together to create your personalized WealthCheck report.
Your report will contain a summary of your goals, questions and concerns. The best part of Wealth Check is the action plan. Your action plan will contain expert information on how you can achieve yours goals.
Request Your WealthCheck Today:
Yes! I want to get my retirement plan on track with a personalized WealthCheck.
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