Investment planning is a broad and multi-faceted topic. As such, it can seem overwhelming. But it doesn’t have to be. Like all areas of financial planning, the concept needs context to be meaningful. Simply put, think of investment planning in terms of what you are trying to accomplish, and it takes on real meaning.

For example, if you are planning to start a family, you will likely want to learn about the First Home Savers Account and the Registered Education Savings Plan. On the other hand, if you are preparing for retirement, your planning will include understanding the role of Registered Retirement Savings Plans, government benefits and pension plans.

Identifying what you want to accomplish will inform and guide the conversation. And – like all aspects of your financial plan – the conversation and planning tools we recommend will change over time as your goals and priorities do.

  • Cash Flow Management

  • RESPs

  • RRSPs

  • tFSAs

  • FHSAs

  • Non-Registered Investments

Cash Flow Management

A meaningful investment planning discussion should begin with an understanding of your current inflows and outflows of cash. Our unique Cashflow Planner (this is not a budget!) provides the clarity needed to identify gaps, set priorities, and make the adjustments needed for success. We call the cashflow data collection process the “heavy lifting”, but our clients confirm – once completed – it lightens their load and frees them up to do more with their money. 

“I don’t know how we could have gotten through this difficult transition without your professional advice and optimism. Thank you so much for all your time and patience in helping us understand and make the right decisions to help our family come out the other side smarter and more secure.”