megram - Index

megram - 55JulOttawa - Index

The financial advisor
The straightest line from investor
confusion to a financial plan and portfolio
designed to provide you with
long-term financial security is drawn
with a planning professional.There’s a
tendency to plan toward one single
event — say retirement — without
giving proper consideration to more
immediate priorities or unexpected
detours. That raises the potential for
mistakes in your financial plan.A planning
professional will do more than
recommend financial products. They
will keep their eye on the broader
financial picture. That picture begins
with a plan that will serve as your road
map to lifelong financial security. It
will highlight your concerns, help you
finance large ticket items such as a
new home, prepare your portfolio for
unexpected detours, and ensure that
taxes are not unnecessarily chipping
away at your disposable income or
retirement nest egg.
But the road doesn’t stop there.A
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July/August 2008 • Ottawa 16 • Fifty-Five Plus Magazine
financial plan is a living document.
Your advisor will provide a regular fiscal
checkup or financial review of
your plan to assure that you are on
the right path to achieve your goals.
In fact, it is recommended that your
financial situation be reassessed at
least once every year to account for
changes in your life or economic circumstances.Still,many
people believe
that financial advisors are too costly,
or are just for people with a lot of
money.An increasing number of middle
and low-income households are
using the services of a professional
planner to chart their financial future.
What does a
financial advisor do?
If you are planning to invest
(and who can afford not to) you are
going to need a financial advisor.
Twenty years ago, registered savings
plans were primarily intended for
retirement purposes. Today the
financial picture is far more complicated.
The federal government uses
the rules governing RRSPs as policy
levers to help you meet a series of
lifetime goals.
Thinking in terms of
pre-tax dollars
There is a difference between
what we earn and what is left to
spend after taxes. The same is true
continues on Ottawa 17