Financial Planning

Our aim as your investment advisor is to help you achieve your financial goals, through efficient management of your portfolios. In addition, we can provide an analysis of retirement, education and major purchase savings to help you determine if you are on track for your savings objectives and, if not, what optimal changes can be made. The analyzers on this page can help you get started.

Retirement Analyzer

Major Purchase Analyzer

Education Analyzer

For a more comprehensive financial plan analysis please contact our office and speak with Allison Rivas, FPSC Level 1 Certificant at 403-509-1944 or

Financial Plan FAQ

What is a financial plan?

In general terms, a financial plan is a comprehensive evaluation of an individual's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.  

What is the process involved in creating a plan?

There are six steps in the planning process:

  1. Setting goals and objectives
  2. Data gathering
  3. Analysis to identify any problems or opportunities
  4. Determine recommendations and alternative solutions
  5. Implementation of appropriate strategies to achieve your goals
  6. Periodic review and update of financial plan

Steps one and two are achieved through your completion of our Investment Planning Questionnaire.   Steps three and four are completed by us and delivered to you in a meeting.  Steps five and six are initiated by both parties depending on the nature of the requirements.

What are the most common focus areas for a financial plan?

Investment Planning:
Each plan includes an assessment to help determine the appropriate investment mix for you.  Some factors considered are: How much risk are you comfortable with? What rate of return are you currently achieving? What asset allocation should you have? What are the appropriate asset classes for you to achieve your savings objectives?

Retirement Planning:
What are your retirement objectives? How much do you need to save to meet those objectives?  Are you on track for meeting that goal? Should you start early pension withdrawals? When can you receive Old Age Security benefits?  Will those benefits be clawed back?  When should you draw from your RRSPs or non-registered funds?

Education Funding:
How much do you need to save to help pay for your children's (or grandchildren's) education? What is the most tax effective way of saving for children's education?

Taxes can be one of the largest expenditures for the average family.  A tax calculator is run for each year based on the projected information provided to us.  We can then assess the appropriate tax planning strategies across your respective asset classes and account types in order to optimize your tax savings.

How can a financial plan help me?

The value of financial planning goes beyond dollars and cents – it can simplify your decisions and give you a sense of security and peace of mind about your current and future financial position.