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What does financial planning look like at different life stages?
Introduction
Growing your wealth and security. It’s a life-long commitment, offering lasting rewards. How should your financial planning change as you grow older? What priorities do you need to focus on at different stages of your life?
Let me tell you about our team of advisors. As a client, you need an advisor to trust when it comes to your future. Your financial plan. We’re all in different stages of life; starting a business or a family, saving for your new home, restructuring your debts, optimizing your cash flow, building your investments or transitioning into retirement.
We have to start somewhere. Set up a virtual or in-person meeting with your advisor today for a free consultation.
Body
It starts with the financial basics.
As soon as you’re working, it’s a good time to launch some long-range money goals. At the beginning of your career, you might not have a lot of cash flow after the bills are paid ̶ but that will change. Your Carte Financial Advisor can show you how to prepare for your rising success.
Begin with the basics: a budget to help control your spending and a disciplined savings strategy that will develop with your career. Learn about the proven tools for creating wealth, such as a Tax-Free Savings Account. Determine the best time to begin your RRSP ̶ the Registered Retirement Savings Plan that you can turn into a great tax strategy. These tools increase in importance as your income grows.
It’s also a good time to explore investing. Time is on your side, and higher risk investments are a great option when you’re young.
Grow your family and finances.
In the middle of your life, you’re working hard on your success and your lifestyle shows it. But you have people depending on you and a promising future to protect.
If you have started a family, you have a wonderful opportunity to get your child financially set for life. Attitudes about money are developed while very young. Teach your child the mindset that will bring a lifetime of prosperity.
As your income increases, so too should your savings and investing activities. The more you save now, due to the power of compounding interest, the faster your money will grow than if you started at a later age.
Be sure to regularly review the progress of your financial planning. It’s critical to determining whether the complexities of the market are working in your favour. Schedule time for this. Consistently track your finances to ensure your efforts are producing lucrative results.
If you are the major income earner, you also need to protect what’s good in your life. Discuss insurance options with your Carte Financial Advisor. Consider the value of critical illness insurance: a lump sum payment that will provide for your family if the worst happens. Also, disability insurance can replace some of your income if you can’t work due to an injury or illness. Life insurance is about beginning your estate planning and developing a legacy for your family.
Get ready to slow down.
To plan for retirement, you need strategies to secure your wealth and estate. Review your financial plan and consider a more conservative risk level for new investments. Because you haven’t got the luxury of time. But you do have the shrewdness of a veteran investor.
You also need a smart tax strategy for the funds that will support your leisurely future. Consider all the tax you saved through your RRSP. Your Carte Financial Planner can help you explore different scenarios and develop a way to reduce the bill that will be coming due.
At the same time, review your estate planning and fill in any gaps. Ensure all the legal documents are in order. Plan how you can leave a legacy for your family, with strategies to reduce the taxes they will face.
Make a life-long commitment to building wealth for yourself and your family. Your Carte Financial Advisor can guide you toward true financial success.
Outro
Is it time to talk about your future? Do you have financial questions about your business, family, or investments? Call your financial advisor today to setup a virtual or in-person meeting.
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