Financial Planning
A proactive approach to your future
Financial planning: the foundation of your financial health
Financial planning is an ongoing process that begins with a thorough understanding of your current problems and concerns, as well as a clear vision of your needs and objectives.
This includes an analysis of your personal and family situation, your financial situation, your tax situation, your retirement situation, your death situation, and finally, your protection situation.
Regular reviews of your progress and reassessments of the financial strategies in place are then carried out to ensure that you stay on track.
As an independent financial services firm, we can also offer you investment, insurance and financing solutions, while keeping an overall view of your financial situation. No financial product will be offered without first completing your financial plan.
Retirement Planning
Determine your goals and retirement age
Identify retirement income sources
Calculate the amount to save per year
Establish an asset decumulation plan
Determine the optimal age to apply for government benefits
Investment Strategy
Analyze the portfolio and compare it to the recommended profile
Establish your risk profile
Determine the asset allocation (stocks/bonds)
Choose the appropriate savings vehicle (RRSP, TFSA, RESP, etc.)
Liquidity and Debt Management
Establish your budget
Plan for unforeseen events and emergencies
Plan for major purchases
Determine whether it is better to pay off your debts or save
Tax Planning
Investment taxation
Strategies to minimize taxes payable
Ensure that you take advantage of all tax credits and deductions
Determine whether it is appropriate to incorporate
Assess the best compensation strategy (salary or dividends)
Retirement income splitting
Risk Management
Identify the risks that threaten your financial health
Analyze the coverage you have (group and personal)
Determine the shortfall in the event of death, disability or serious illness
Analyze the different solutions to protect yourself
Estate Planning
Ensure that your legal documents reflect your objectives
Reduce your tax bill at death
Understand the benefits of making a planned gift
Assess strategies for transferring your wealth during your lifetime
Who are our clients?
Our clients are individuals aged 40 and above who are seeking a long-term relationship and independent advice, with investment assets exceeding $150,000. Their goals include:
Planning for their retirement
Optimizing their financial situation
Tax planning
Professional investment management
*Nous travaillons exclusivement avec des clients ouverts à nous confier la gestion de leurs actifs.
Our process: A personalized journey toward your financial success
To provide you with valuable advice, it is important to thoroughly understand your goals, needs, and priorities, as well as the constraints and opportunities unique to your situation. Our rigorous process allows us to develop appropriate strategies and recommendations.
1
15-Minute exploratory call
Embark on your financial journey with a free 15-minute discovery call. The purpose of this call is to learn more about your needs, situation, and expectations. If our service offer meets your needs, a financial planning mandate will be sent to start the process.
2
Needs Assessment
During this meeting, we create a detailed picture of your personal and financial situation. This step allows us to determine your objectives, cost of living, and the key elements to be included in your financial plan.
3
Analysis and development of strategies
At this stage, a thorough analysis is conducted to identify the most suitable financial strategies for your situation. Once identified, concrete recommendations are established to provide you with a clear direction.
4
Presentation of the financial plan
The financial plan is presented by explaining the recommendations and the findings that support them. You will gain a full understanding of your financial situation and the means available to you to achieve your goals. We address all your questions and adjust the plan based on your feedback to ensure it perfectly aligns with your expectations and needs.
5
Ongoing collaboration and periodic adjustment of the financial plan
Your financial situation evolves, and so does our collaboration. We are committed to regularly reviewing and adjusting your financial plan to ensure it remains aligned with your changing life goals.
Ready to plan a prosperous future?
If you’re ready to take control of your financial future, we are here to support you.
Fees & Compensation
At Ta Planif, we understand that financial planning is an important investment for your future. That's why we offer a flexible and transparent fee and compensation structure.The initial plan is payable on a fixed fee basis depending on the complexity of your situation. This will be established in advance in the financial planning mandate that you will have to sign in order to proceed.
The periodic update of your plan will be payable on an annual fee basis. At this stage, most of our clients agree to entrust us with the management of their investment portfolio.
The fees are then established as a percentage of your assets and include the portfolio management service and the update of your financial plan. However, you will also have the choice to pay the fees directly.
Our financial planners
Our team consists of seasoned professionals with advanced expertise in personal finance and a passion for financial planning. At Ta Planif, we understand that each financial journey is unique. That's why our planners take a personalized approach, committed to understanding your life goals and challenges.
William Laberge-Cloutier, B.A.A. Pl.Fin.
Financial planner
Registered Mutual Fund Dealer Representative with Mica Capital Inc.
Registered mortgage broker with Planiprêt
Philippe Mainguy Rochette, B.A.A. Pl.Fin.
Financial planner
Registered Mutual Fund Dealer Representative with Mica Capital Inc.
Registered financial security advisor with Ta Planif
Testimonials
We place our clients' needs and expectations at the center of all our decisions and actions. We are committed to providing them with tailored solutions that meet their specific needs.
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