Financial Planner
PLAN FOR TOMORROW … TODAY
People want to maintain their standard of living when they retire, even improve it if possible. With the disappearance of the welfare state and the increasingly heavy fiscal burden on taxpayers, government pension funds may not be able to support the growing number of retired people and an aging population.
Given this situation, it’s time to act, take charge and, with the help of a specialist, find the scenario that will enable the achievement of goals and guarantee a successful retirement plan.
The financial planning notary can be your designated driver on the road to retirernent, especially where your pension, investments, nsurance and estate planning are concerned.
HIRE AN EXPERT TEAM COORDINATOR!
Dont think you need help? Stop kidding yourself. Successful financial planning s often the result of multidisciplinary teamwork:
notary, accountant, life insurance specialist, stockbroker, banker, etc.
Your financial planning notary will have no stone unturned to ensure that all these people are working together to achieve your objectives. This makes him or her the ideal resource person to coordinate a financial plan best suited to your personal situation. Your notary will never be in conflict of interest because it’s illegal for him or ber to sell you financial, insurance or investment products.
TAX STRATEGIES TO OPTIMIZE RETIREMENT FUNDS
Developing a personal tax strategy will help you achieve maximum tax reduction. Result: you will have tax savings to invest in pension programs. These tax savings often represent the largest contribution made by the taxpayer in search of financial freedom at retirement.
SOUND INVESTMENTS SO YOU CAN SLEEP SOUNDLY
You have defined your pension goals n order to protect your quality of life and standard of living. To achieve both, it is important for you first to take a look at your personal situation and determine what kind of investor you are. Of course, any savings you set aside for your retiremenit’should be invested to make money, but always remember that the best investments you can make are the ones you dont lose sleep over.
You will therefore not be surprised to learn that it’s your risk tolerance that will determinethe general look of your portfolio. Besides, financial planners will tell you, “everything in moderation” and “a bird in the hand’s worth two in the bush” Contact your financial planning notary to help you develop a sound yet profitable investment strategy.
FACING THE INEVITABLE
We all have to leave the land of the living someday. A good life insurance program will ensure that your spouse and your children receive sufficient replacement income and have access to the liquid assets needed to pay the taxes and other expenses resulting from your death.
But did you know that there are protection programs you can benefit from during your lifetime? You could register with a group or individual disability insurance plan to protect against life’s little surprises. This is an important aspect that shouldn’t be ignored, because sometimes bad things do happen to good people…
YOUR WILL: THE CORNERSTONE OF FINANCIAL PLANNING
Any personal financial planning must involve the signing of a will. If you die without a will, aIl the estate planning you so carefully worked on may prove to be futile. A will is, and always will be, the foundation, the cornerstone of your estate planning. it must therefore be drawn up by an expert and definitely in notarial form. Any change in your living conditions will require a review of your will which may necessitate modifications.
Financial planning is simple yet complex. To eliminate financial worries in your retirement, be sure to do your financial planning with the help of a master: a notary who specializes in financial planning.
