at 101-2001 McCallum RD, Abbotsford Canada
You deserve the value of a lasting relationship. We have a personal approach to help you acheive your future financial goals. Working with you & for you.
Tax, Retirement & Estate Planning, Education Planning. Debt management & Cash flow analysis. Insurance needs.
55 FB users likes Elisha Johnstone - Investor Group Consultant, set it to 20 position in Likes Rating for Abbotsford, British Columbia in Bank/financial services category
Planning to retire? Canadians are living longer than ever before. And while people once anticipated enjoying travel and leisure activities in their retirement years, things have changed. Not only are retirees now able to stay active well into their 80s, but many want to do more with their time – to stay involved and make a difference. That’s why it’s important, even more so now, to plan for your retirement and protect yourself from outliving your savings. It can be hard to predict how much you’ll need to live in retirement, especially considering you may need an income for 20 years or more. Remember that inflation, even with annual increases of two to three per cent, can whittle away your savings’ purchasing power. Also, the costs of goods and services that affect retirees the most – prescriptions, health care, etc. – often rise more dramatically than conventional “family” living costs. There’s a lot to consider and getting the right financial and investment advice early on can make a difference. In general, it’s a smart idea to shelter as much of your savings from tax as possible, using government programs such as a Registered Retirement Savings Plan (RRSP) and a Tax-Free Savings Account (TFSA). You’ll want to make your annual RRSP contribution for as long as you can to save tax and, of course, grow your retirement savings. When the time comes, you’ll need someone knowledgeable to help convert your RRSP and other retirement savings to provide you with regular income. There are many options and we will help you understand them all, advising on the best choice for your situation. Many of the financial decisions you make as you plan to retire will have far-reaching implications that may be felt, quite literally, for the rest of your life. We can provide the advice you need to make the right choices and live the retirement you want. Are you ready to retire? It’s not only about money.
Debt keeping you awake? so what's the plan? These days, going into debt is almost unavoidable. With the rising costs of housing, post-secondary education, cottages, vehicles and the like, it can be a challenge to live debt-free. But too much debt can become a problem, especially when it’s used for purchases that depreciate quickly, such as clothes, household items, and electronics. Sliding into debt is unfortunately very easy – a little here – a little there – and suddenly, the majority of your income is going towards monthly payments instead of helping you enjoy life now or setting aside money for tomorrow. That’s where a debt management plan comes in. This financial roadmap can help you move from simply servicing debt, to paying it off and saving for your future. We’ll start by taking a look at your monthly income and expenses and help you prepare a budget, ensuring you’re not spending more than you earn. As part of your monthly budget, we’ll suggest you start a reserve or ‘emergency’ fund, so you can pay for unexpected expenses without going into debt. We can help you free up money by discussing if options like debt consolidation and a monthly debt reduction plan are right for you. And with debt under control, you can begin working towards your long-term goals, such as protecting your family against the financial impacts of illness or disability, affording post-secondary education for your children, or securing the retirement you’ve always dreamed of. With the reality of mortgage payments, car loans, credit card balances, and other demands on your hard-earned money, it’s no wonder you may feel weighed down by debt. With a plan in place, we can help you regain control of your finances, ease cash management stress, generate savings, and find peace of mind.
If anyone is interested in a free consultation, Let me know! lets start figuring out a plan together to make a brighter future for you :)
Life can be easy and worry free!
Whats your dream? Everybody has one, but why is it that we consistently always say to ourselves "later" why later? Why not now? What is it going to take for you to make the necessary changes to obtain all your dreams. It can happen! you just have to want it bad enough.
Experience "The Plan" At Investors Group, we commit our time and energy everyday to a personalized approach to help you prosper now and over time. Our commitment to face-to-face relationships, a proven investment approach, the breadth of our products, and the depth of our managment is what makes a relationship with us so rewarding. We look forward to working with you to help you acheive your lifelong financial goals. "Murray J Taylor"