Planning Services
When I imagine the relationship dynamic I want with my clients, what I envision is a partnership. One where there is continuous collaboration from now until beyond the day you retire on your path to financial freedom.
My focus isn’t to simply pick investments or recommend insurance to you. Rather, it’s to give you a clear plan, ensure you understand your options in plain language, and to educate along the way.
Now, I’m sure there’s one question going through all of your heads: “how much is this going to cost me?”
While I’d love to simply give you an answer here, it depends on what you’re hoping to get out of our partnership. I aim to offer you truly personalized advice, which one price point can’t offer.
If you’d like to learn more about pricing, I encourage you to book a 15-minute call with me using the Book Consultation button at the top of the site. However, I understand your time is valuable, so I’ve also included a form for you to include your email and provide a brief description of what you’re looking for and I will get back to you.
Pricing Inquiry
Tell me a bit about what you're looking for and I'll get back to you.
With that being said, below is a full breakdown of services offered:
Personal Planning
Wealth & Investment Planning
Creation of portfolios designed to accommodate your unique investment goals, with the opportunity to set parameters that reflect your moral and ethical values. Strategies may include:
- Mutual funds
- Segregated funds
- Tiered investments based on risk level and time horizon
- Cash wedges
- Insurance products
Insurance
Helping you determine the type and amount of insurance appropriate for your individual situation, depending on factors such as income, cash flow, debts, and family health history. Types of insurance offered are:
- Term insurance
- Permanent insurance
- Universal insurance
- Critical illness insurance
- Disability insurance
- Key person insurance
Lifelong Planning
A comprehensive financial plan presented to you, taking into account all aspects of your life. The plan is updated and revised frequently to account for your goals, family, and financial situation as they evolve. Included in this plan are:
- Advice across your investment and insurance needs
- A clear timeline of recommended next steps
- Regular check-ins and adjustments as your life changes
- Projections of your investments, net worth, cash flow, and estate
- Tax-planning and tax-optimization strategies
- Stress-testing your plan against market downturns, inflation, changing life expectancy, and lower-than-expected investment returns
- Retirement income and lifestyle projections
- A clearer picture of what your financial future could look like
Business Planning
Business Succession Planning
An important, but often overlooked, aspect of business planning is to ensure your business continues to run smoothly and without interruption after important people move on to new opportunities, retire, or pass away. I’ll work alongside you and the other experts on our team to help consider the implications of what a business transition could look like.
Group Employee Benefits
A complimentary review of your existing group benefits plan alongside our group benefits specialist. We’ll look at your current coverage, costs, and plan structure to determine whether there are opportunities to improve your benefits or reduce your premiums.
As an independent brokerage, we work with a variety of insurance carriers, allowing us to compare different options and find a plan that provides the right balance of coverage, value, and cost for your business. Group benefits can include:
- Life insurance & dependent life insurance
- Short-term and long-term disability
- Health & dental plans
- Registered pension plans
- Group RRSPs
Other Services Offered
To learn more about the other experts on our team and additional services offered through Simard & Associates, check out our website here:
Simard & Associates