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My clients and friends
call me "Henny". I love living in the beautiful community of Mission and have
been working in the financial planning field since I moved here in 1987. I take
great personal satisfaction in helping and working with people which is the
reason why I entered this profession. I am here ... for the long haul.
My clients range from the single person who is looking for financial security, young families, who are just starting out with life insurance and RRSP investments, to retired couples who's financial concerns can be complex in this constantly changing society. I love to help people solve their problems and I specialize in working with woman who are looking for financial advice for their own future; or her children’s or grand children's education and her estate. |
By taking an active role in your own financial destiny, you invest in your future.
Here is a
ten point basic plan:
1. Know where you stand, Keep your net-worth statement current.
2. Define your financial goals based on personal needs and wants.
3. Know how much money you need - now and after retirement.
4. Increase discretionary savings by decreasing your expenses.
5. Pay yourself.
6. Expand your knowledge of financial issues.
7. Reduce or defer income taxes where possible.
8. Develop a sound plan for your estate.
9. Adjust plans and goals as your circumstances change.
10. Establish a close working relationship with a financial advisor.
Mutual or Segregated funds are the answer for the vast majority of investors who lack the time and knowledge to make the best investment decisions in today's complex markets.
Essentially, a mutual or segregated fund combines your dollars with those of thousands of others investors to create an investment portfolio large enough to take full advantage of investment opportunities and to provide diversification.
When you buy into a mutual or segregated fund, you're joining with other investors to get the kind of professional management and portfolio diversification that you would be unlikely to achieve as a single investor.
Today's consumer can choose from a selection of mutual or segregated funds that have been designed to meet a wide variety of financial objectives.
These include funds that invest in equities, bonds, mortgages, real estate, specific industries and money markets. And, many of these choices are also available as international funds, allowing you to take advantage of ever expanding world markets.
Why mutual or segregated
funds?
With mutual or segregated funds, you have the flexibility and convenience of investing a lump sum - or through systematic monthly payments. You are also able to sell your investment on any business day - or to withdraw your money over time through a systematic withdrawal plan.
Just as importantly, mutual or segregated funds encourage you to take a long-term perspective, one which recognizes that holding the right investments over time is the key to investment success.
Leaving investment decisions to dedicated experts.
Perhaps the most compelling reason to choose mutual or segregated funds is the fact, that they provide a simple solution to difficult decisions. With your investment dollars in the hands of a skilled professional money manager and an independent Financial Advisor, you are relieved of the daunting responsibilities of watching economic and market developments, forecasting trends; allocating assets; and marking sound, timely investment decisions. In short, everything you need to build a better financial future is done for you.
BENEFITS OF MUTUAL OR SEGREGATED FUNDS:
Professional management, Diversification, Flexibility, Liquidity, Reinvestment privileges, Performance Potential, Systematic purchase/withdrawal plans, Convenience and simplicity, Lower costs, Easy tracking and record keeping, Tax advantages, Inflation hedge, Smoother estate planning, Elimination of timing decisions, Fully regulated.
OTHER BENEFITS OF SEGREGATED FUNDS:
- Guarantees:
Upon maturity of the investment contract, you are guaranteed to receive the greater of the market value of the fund units accumulated, or 75 - 100% of all deposits.
- Protection from Creditors:
With the proper beneficiary designation, you will be protected from creditors in the event of an unexpected lawsuit or bankruptcy.
- Exemption from probate
In the event of your death, a segregated fund with a named beneficiary other than your estate is exempt from probate, thus saving both probate and executor fees.
ESTATE PLANNING:
- Estate Maximizer
- Insurance Needs - Final Expenses
- Income tax issues
- Section 148 of the Income tax Act - Tax Exempt Growth in Universal Life Insurance
It is your personal responsibility to actively pursue your personal financial freedom and destiny is in your own hands. Increase your knowledge of current financial issues. Read articles and books, take courses and attend seminars, or contact me:
