Cindy Duclos Peterhans - Desjardins Financial Security

Description

What Can a Financial Planner Offer You?
Investment Plan Includes: •Review of existing investments •Risk profile assessment, including risk tolerance capacity, and any constraints to investing •Straightforward discussion about your investments in language you will understand •Determining goals for money to be invested •Investment strategies •Discussion around asset protection and estate issues including tax minimization and efficiency Financial Plan Includes: •Determination of goals •Cash Flow & Debt Management •Retirement Planning •Tax minimization and efficiency •Investment Examination & Assessment (accumulation, growth, protection and transition) •Insurance Planning/Risk Management (income and asset protection) •Estate Planning concerns Corporate Financial Planning Includes: •Cash Flow and Corporate Financials •Succession of Business •Review of Buy/Sell Agreements •Insurance Planning/Risk Management Retirement Planning Includes: •Assessment of assets, debts, investments and pensions •Review of cash flow (income and expenses) •Goal determination •Retirement projections •Estate Planning concerns •Tax minimization and efficiency •Insurance Planning, Risk Management, Extended Health Care Retirement Projection We will provide a streamlined analysis of what you have and what this means to you financially. Includes: •Assessment of assets, debts and investments including pensions •Recommendations Cash Flow Planning Includes: •Net Worth Statement (assessing assets and liabilities and their use) •Determination of SMART goals – where do you want to be? (Specific, Measurable, Achievable, Realistic, Timely) •Review sources of Income •A written Cash Flow Plan •Budget planning •Cash flow analysis and projections •Mortgage and debt analysis •RRSP & investment loans Estate Planning* Includes: •Analysis of your existing plan •Determine your legacy goals and distribution plans •Assessment of current assets and liabilities including pensions and properties with an emphasis on tax and probate considerations •Advice and discussion of a Will, Power of Attorney documents and Guardianship •Advice and discussion surrounding the role of the Executor •Discussion surrounding the blended family situation (if applicable), families with special needs members and existing current relationships •Tax-efficient asset transfers •Planned giving strategies •Transition and executor assistance •Business succession planning Insurance Planning Includes: •Analysis of current Insurance policies in place such as Life, Disability, Critical Illness (including employer group benefits insurance) •Insurance Needs Analysis •Education of different types of Insurance •Purpose of insurance •Buy / Sell agreements •Keyman insurance * Thanks to the support of a dynamic team and the assistance of financial service-related experts, I am able to offer you a full range of services and advice on tax and legal issues that will benefit your financial security situation. ® Registered trademark owned by Desjardins Financial Security Life Assurance Company *Mutual funds distributed through Desjardins Financial Security Investments Inc. Life and health insurance products are provided by Cindy Peterhans through Desjardins Financial Security Independent Network. Life and health insurance products and services are not available through Desjardins Financial Security Investments Inc. (DFS Investments) nor are the insurance plans or services available and/or offered, supervised, or reviewed by DFS Investments. DFS Investments is the mutual fund dealer through which mutual fund products and services are provided. This site is not the property of Desjardins Insurance¹ or Desjardins Financial Security Independent Network. They do not have any control over the content or use of the site. Desjardins Insurance¹ and Desjardins Financial Security Independent Network shall not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from this site, the use, inability to use, or malfunctioning of this site or the information contained herein, including and direct, indirect, special, third party, or consequential damages. This site is not the property of Desjardins Financial Security Investments Inc. (DFS Investments). DFS Investments has control over the content of this site by their review of the information provided in accordance with its policies and procedures. DFS Investments is not responsible for the content in this website that is unrelated to the business of DFS Investments nor is it responsible for the monitoring or supervision of these other business activities. Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance¹. DFS Investments is a mutual fund dealer registered in every Canadian province and territory and am exempt market dealer registered in Quebec. It is al so registered in every Canadian province and territory for the distribution of insurance products. DFS Investments¹ advisors may be qualified to provide advice on mutual funds, exempt market products, and other investments products, among other things. In Quebec, DFS Investments is also registered as a restricted dealer, a group insurance of persons, and a financial planning firm. Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public insurance fund, as the case may be, nor are the guaranteed, in whole or in part, by Desjardins Insurance¹, and their value is subject to market fluctuations. ¹ Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.