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Financial Planning




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Fax. 780-424-0004
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financial planning articles

Documents to help you prepare for your financial planning.
All documents are in PDF format, and require the Adobe Reader program
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Which Account Should I Draw First In Retirement?

Many clients will ask which account they should withdraw money from....
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Types of RRSPs

How do you choose an RRSP? First you must realize that an RRSP is not an investment...
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Investment Vehicles

Listed are a number of investment options...
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How Do I Pay For Education Costs?

Top 10 Education Funding Strategies ...
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How Much Do I Need To Retire?

This is one of the most common questions I get at retirement planning seminars. My answer is a glib “How much do you want?”...
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Life Insurance Needs

How much will you need? What type? Where will this money come from?...
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What Happens if You Die Without a Will

If you do not have a will, each provincial government has an “Intestate Succession Act” which will tell the administrator (appointed by the government) who will inherit your estate...
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Creating Cash Flow From Your Investments

As you reach retirement, creating cash flow from your investments becomes more important. First you need to determine how much, how often and when...
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Are You 71 This Year?

If so, remember that, by law, this is the year that you must transfer your RRSP to a Registered Retirement Income Fund or purchase an annuity...
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Pension Options

In Alberta, the money that is held for you in a pension plan must be used to provide you with a lifetime income when you retire.
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What Can I Do With My LIRA?

The money that is in your Locked In Retirement Account can be used to create income in either of two ways. The first is to purchase a life annuity.
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How Much Life Insurance Do You Need?

In Canada, two out of every 1,000 persons age 40 are expected to die in any one year. No one can determine exactly which two will die.
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How Can You Reduce Your Taxes?

In Canada, we have a progressive tax system. This means that the higher your income the greater your tax rate.
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How Will You Use The TFSA?

What is a Tax Free Savings Account (TFSA)? Well, it is not necessarily a savings account! It is a trust account that you can use to save for anything you want.
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What's The Best Pay Off My Mortgage Or Contribute To An RRSP?

One of the more difficult financial decisions an individual must make is whether to contribute money to an RRSP or use that money to pay down their mortgage.
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