|
PLAN FOR TOMORROW
… TODAY
People want
to maintain their standard of living when they retire, even
improve it if possible. With the disappearance of the welfare
state and the increasingly heavy fiscal burden on taxpayers,
government pension funds may not be able to support the growing
number of retired people and an aging population.
Given this situation, it's time to act, take charge and, with
the help of a specialist, find the scenario that will enable
the achievement of goals and guarantee a successful retirement
plan.
The financial planning notary can be your designated driver
on the road to retirernent, especially where your pension,
investments, nsurance and estate planning are concerned.
HIRE
AN EXPERT TEAM COORDINATOR!
Dont
think you need help? Stop kidding yourself. Successful financial
planning s often the result of multidisciplinary teamwork:
notary, accountant, life insurance specialist, stockbroker,
banker, etc.
Your financial planning notary will have no stone unturned
to ensure that all these people are working together to achieve
your objectives. This makes him or her the ideal resource
person to coordinate a financial plan best suited to your
personal situation. Your notary will never be in conflict
of interest because it's illegal for him or ber to sell you
financial, insurance or investment products.
TAX
STRATEGIES TO OPTIMIZE RETIREMENT FUNDS
Developing a personal tax strategy
will help you achieve maximum tax reduction. Result: you will
have tax savings to invest in pension programs. These tax
savings often represent the largest contribution made by the
taxpayer in search of financial freedom at retirement.
SOUND INVESTMENTS
SO YOU CAN SLEEP SOUNDLY
You have defined your pension
goals n order to protect your quality of life and standard
of living. To achieve both, it is important for you first
to take a look at your personal situation and determine
|
what
kind of investor you are. Of course, any savings you set aside
for your retiremenit'should be invested to make money, but always
remember that the best investments you can make are the ones
you dont lose sleep over.
You will therefore not be surprised to learn that it's your
risk tolerance that will determinethe general
look of your portfolio. Besides, financial planners will tell
you, "everything in moderation" and "a bird in
the hand's worth two in the bush" Contact your financial
planning notary to help you develop a sound yet profitable investment
strategy.
FACING THE INEVITABLE
We all have to leave the land of the living
someday. A good life insurance program will ensure that your
spouse and your children receive sufficient replacement income
and have access to the liquid assets needed to pay the taxes
and other expenses resulting from your death.
But did you know that there are protection programs you can
benefit from during your lifetime? You could register with
a group or individual disability insurance plan to protect
against life's little surprises. This is an important aspect
that shouldn't be ignored, because sometimes bad things do
happen to good people...
YOUR WILL: THE CORNERSTONE
OF FINANCIAL PLANNING
Any personal financial planning must involve
the signing of a will. If you die without a will, aIl the
estate planning you so carefully worked on may prove to be
futile. A will is, and always will be, the foundation, the
cornerstone of your estate planning. it must therefore be
drawn up by an expert and definitely in notarial form. Any
change in your living conditions will require a review of
your will which may necessitate modifications.
Financial planning is simple yet complex. To eliminate financial
worries in your retirement, be sure to do your financial planning
with the help of a master: a notary who specializes in financial
planning.
|
| 