Expertise  

Financial planning is a generic term that includes several aspects in the field of personal finances for which their integration provides customized solutions tailored for the needs of our clients.

The most frequently addressed aspects of financial planning are the following :

Finance

Finance

  • Personal balance sheet;
  • Evolution of net worth;
  • Liability management;
  • Debt ratio.
 
Taxation

Taxation

  • Taxation principles
  • Deferred income tax;
  • Deductible expenses and tax credits;
  • Income splitting;
  • Preparation of tax return.
 
Estate

Estate

  • Transmission of the assets of an estate;
  • Beneficiary designation;
  • Last will;
  • Role of the liquidator;
  • Basic principles of a trust;
  • Taxes at death.
 
Investments

Investments

  • Risk & return;
  • Diversification;
  • Optimized portfolio management;
  • Investments and taxes;
  • Creditor proof investments.
 
Retirement

Retirement

  • Projection & the planning of retirement income;
  • Pension plans : RRSP, RRIF, RPP DC, RPP DB, DPSP, TFSA & others;
  • Asset base needed for retirement.
 
Risk Management

Risk Management

  • General principles;
  • Death benefit & life insurance needs evaluation;
  • Living benefit & disability insurance needs evaluation;
  • Insurance & taxes;
  • Beneficairy designation.
 

Financial planning is a dynamic process. Once the initial financial plan has been set up, periodical appointments are set up to ensure that your plan is aligned with your ever-changing financial situation.

Team  

Jean-François Clément, Pl. Fin

Planificateur financier, inscrit auprès de Quimper
Conseiller en sécurité financière
Conseiller en fonds d’investissement, inscrit auprès d’Investia services financiers inc.

Actif depuis 1995 à titre de planificateur financier, Jean-François a développé au fil des ans une relation professionnelle avec plus de 300 clients. Sa compréhension des aspects névralgiques à la croissance ainsi que la protection de la valeur patrimoniale lui ont permis de s’établir dans l’industrie comme ressource fiable et compétente auprès de sa clientèle.

C’est en 2016 que Jean-Philippe Bernier et Alexandre Beaulieu se joignent à Jean-François et forment Quimper. L’expertise professionnelle de Jean-François jumelée au dynamisme et à la diversité de formation de ses jeunes acolytes offrent aux clients de Quimper un standard de service inégalé.

Partners  

Some of our business partners include :

Fidelity Investments, CI Investments, Dynamic Funds, Mackenzie Investments, BMO, RBC Global Asset Management