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Why should I work with a financial advisor?

Financial planning is complex and it can be daunting to tackle it on your own when you have a lot of other things competing for your time. We ask the relevant questions, offer an objective perspective when it comes to making wealth-related decisions, and work with you to create a financial plan you can follow. We will be with you at every turn to adapt your plan as needed, and help ensure you are always well-positioned to reach your goals, regardless of changing priorities and market shifts.

What questions should I ask when choosing a financial advisor?

How long has the advisor been in the business? What certifications, education and/or designations do they have? Do they have strong understanding of financial planning for both small businesses and personal planning? Do they focus on all aspects of wealth management, such as tax, accounting, succession and insurance-related issues, with easy access to a team of experts in those fields? Is their fee structure transparent?

What information will you need from me to create my comprehensive financial plan?

We will start by discussing your current and future goals, followed by any initial concerns you may have. Next, to ensure we can provide a comprehensive plan, we will need current investment and bank account statements, insurance policies, and details on outstanding debts and monies owed, your most recent tax returns, a household budget (if you have prepared one) and plans for travel, large purchases, or helping children with education, home ownership or other pursuits.

What does a financial planner do?

A financial planner helps you look at the full picture of your finances, including your investments, retirement income, taxes, insurance, estate plans and day-to-day cash flow. Rather than making decisions one at a time, your financial planner can help you understand how each part of your financial life connects and what steps may help you move forward.

How can a financial planner help me prepare for retirement?

A financial planner in can help you estimate how much retirement income you’ll need, decide when to begin drawing from your savings and pensions, and find tax-efficient ways to use your money. Your plan can also account for healthcare costs, travel, family support, charitable giving and the legacy you hope to leave behind.

I live in Newmarket. Is it better to work with a Newmarket financial advisor?

Working with a Newmarket financial advisor can make it easier to build a lasting relationship with someone who understands your community and is available when you need them. Location matters, but the right fit matters even more. Look for an advisor who takes the time to understand your family, priorities and plans—not just your investments—and who can bring your retirement, tax, estate, insurance and investment planning together as your life changes.

Do you work with clients outside Newmarket?

Whether you’re in Newmarket, Etobicoke, Mississauga, Oshawa or Cobourg, our team can provide personalized advice and ongoing support.

How can a financial planner help business owners?

A financial planner for business owners can help connect your business decisions with your personal financial plans. This may include managing corporate savings, paying yourself efficiently, planning for retirement, protecting the business, preparing for a sale or succession, and deciding how your wealth will eventually pass to your family.

Is financial planning different for small business owners?

Yes. Small business owners often have much of their wealth tied up in their company, which can make personal and business planning difficult to separate. A financial planner for small business owners can work alongside your accountant and lawyer to coordinate corporate investments, personal cash flow, tax planning, insurance, retirement and succession decisions.

When should I speak with a financial advisor?

You don’t need to wait for a major life event. A financial advisor can help when you’re approaching retirement, growing or selling a business, receiving an inheritance, managing a pension, supporting family members or simply wondering whether you’re making the most of what you have. Starting earlier gives you more time and more options.