Quimper’s 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

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

Taxation

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

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

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

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

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.