To make the most of investing, you'll need to have an investment plan. You should build this plan around your life goals. As independent financial advisors, we can help you create an investments plan by considering your investable assets, your current income and expenses, and what you want to achieve in life.
Tax is a complex area and becomes more so if you run a business or have several sources of income. Numerous factors will affect the amount of tax you should pay each year, including your job, savings and personal circumstances. Proper tax planning can help you save more for retirement and keep more of what you’ve already saved.
A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it's never too early to start planning. Even if you feel you’ve waited too long, planning now can still make a real difference.
Planning for the distribution of your estate is a complex but necessary component of your overall financial wellbeing. It requires much more than just preparing a will – especially if you have beneficiaries – and it may involve numerous administration requirements. However, if managed properly, careful estate planning can streamline the distribution of your legacy and protect your assets into the future.
The cost of college continues to climb, but with the right preparation, your student can rise to the occasion. It’s never too early to create a savings goal for their future. Start saving now and set your student on the path to succeed.
Do well by doing good. When making or receiving a contribution to a non-profit or charitable organization, it’s important to have a plan in place. In plain terms, charitable planning is an effort to meet your charitable goals and ensure the most tax-efficient outcomes for you and your beneficiaries while doing so. A sound philanthropic strategy allows for more flexibility in your giving, while also providing essential support to the causes that are most important to you.
Risk management and personal insurance must be considered as an integral part of the financial planning process. Just as you insure your house, car and other property against loss, you should also ensure that you hold suitable personal life insurance against illness or death. Have you thought about how your family or your partner would cope financially if you died or were not able to work? Personal insurance can help to prevent your dependents from being financially disadvantaged if you die, suffer a medical crisis or are disabled.
Financially literate individuals use financial knowledge to make better financial decisions. From everyday spending to long-term financial planning, effective money management means using money to further your personal goals - no matter what they are.
We care about our clients and stress balance in our lives by incorporating the mental, social, physical and spiritual aspects of life with the financial ones to achieve confidence.
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