Savers

Growing your wealth

The saving years are both exciting and challenging. It may be the first time you’ve had more money than you need. But often there isn’t enough to put money against all your competing priorities such as paying down your mortgage, building education funds, funding travel, or growing your savings.

How do you best use your money to support your life choices?

As an investor, there are five key questions we ask to help clarify what’s important about money to you:

For you to feel successful what needs to happen in the next year, five years?
How much do you want to learn about investing?
Are your goals short-term or long-term?
What do you want to achieve with your portfolio?
How comfortable are you with risk?

As a financial advisor, I discuss the answers to these questions with every client when we’re developing their custom financial plan, and, at a minimum, annually after that.

Why is a custom financial plan important pre-retirement?

What is a custom financial plan?

A custom financial plan outlines the steps you need to take to achieve your personal and financial goals. This plan addresses your unique needs at this life stage and ensures that you’re ready for what you choose to do next.

Why is a custom financial plan important pre-retirement?

Do you know your financial goals?

Can you name your top three financial goals? It’s not as easy as it sounds. For many people, identifying goals that truly matter can be challenging.

This exercise helps identify your most important goals. The approach, which is backed by behavioural science, helps uncover goals that you may have missed.

Finding the right fit

Personality and fit are important to building a successful long-term relationship with a financial advisor. Make sure that you interview advisors to find an approach and philosophy that aligns with yours.

My clients:

Are committed to their goals and do the work to implement solutions
Want to develop a positive experience with their money
Feel quality of life is as important to financial planning as a rate of return
Focus on what they can control
Appreciate “how much, by when” approach to goals we’ve mutually agreed to implement

What our clients say

I’ve worked with Deneen for many years. She’s provided the guidance I’ve needed since my husband passed. She’s a pleasure to spend time with, knowledgeable, and we meet regularly.

Now that we’re retired, we’re getting into serious planning – what we can afford, cost of living, longevity, and taxation. We really trust Deneen’s advice. She has been understanding of our changing requirements.

We value reliability, responsiveness and relationships. Deneen exemplifies these attributes. She listens to our needs, understands our risk tolerance and has developed a plan allowing us to achieve our financial goals.

She helps guide us, answers our questions, and anticipates issues. We know the plan is specific to us and that it’s evaluated annually so  adjustments are made, depending on what’s changed in the markets and our life stage. We learn every time we meet her.

Want to get in touch?

Schedule a complimentary consultation.