What do I do?

I personally help you define your financial goals and design a customized plan to achieve those goals, taking into account your individual risk tolerance and preferred ways of doing things.

If you prefer more specific services in place of a full financial plan, I can help. Specific services include, but are not limited to:

  • Insurance planning: Analysis to determine your needs for the appropriate amounts of life and/or disability insurance.
  • Estate planning: Analysis to assure the protection of your assets when you die and the orderly distribution of your estate in the most tax efficient manner and in accordance with your wishes.
  • Business planning: Integration of business planning with personal financial planning for self-employed individuals, partnerships and small business owners.
  • Education planning: Planning to maximize the impact of investments destined for future education.
  • Power of attorney: Assistance for the person who currently, or in the future, will have the responsibilities of POA.
  • Executor: Assistance for the person who currently, or in the future, will have the responsibilities of Executor.

Why do I do what I do?

I believe that every person is an individual and has a unique way of approaching life in all ways, including their finances.

There is a great deal more to life than money, but money is a big part of life, and it should be used as a tool to achieve life’s most important goals. Financial planning has more to do with people than arithmetic.

Properly managed and prioritized, the assets of your lifetime, can be used to reach the goals most important to you, whatever they may be.

A long term relationship with a skilled, knowledgeable financial advisor is essential to the success of your plan. In today’s financial environment, with constant changes, rumours of changes and a steady stream of new products, services and strategies, everyone needs professional assistance from time to time. For all of us there comes a time when we are no longer willing or able to stay abreast of every new idea and make important financial decisions in isolation. We can all benefit from the assistance, in some degree, from a financial advisor.

I receive a great deal of satisfaction from helping people to reach their goals.

How do I do it?

Financial Planning Steps

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Resources

Below you will find a list of links to various resources and articles that you might find useful. This list is updated on a regular basis, so check back often.

Should you access one of this links provided you will be leaving Teine Financial site. Teine Financial is not responsible for the information contained on any of these links.

Q1 Review and Market Outlook

Death and Taxes 2017

Caring for Your Aging Parents 2015

Pension Income Splitting 2015

In-trust Accounts 2016

Registered Education Savings Plans (RESP) 2016

Registered Retirement Saving Plans (RRSP) 2016

Tax Free Savings Account (TFSA) 2016