Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]
Make your Financial Plan
Note
Tax-saving strategy: requesting an exemption for a principal residence.
Do you have a demanding job and a busy personal life? Need more time to manage your finances?
Do you have a plan for your financial projects?
The Desjardins Financial Plan is a tool developed in partnership with your financial planner1 to help you carry out your projects.
- a customized analysis by a financial planner1
- made-to-measure strategies, advice and recommendations
- the contribution of other specialists, if need be
- a complete action plan and schedule
- rigorous follow-ups
- Lucia Natale, 46 years old
- Physiotherapist
- Annual personal income: $80,000
The financial planner1 took the time to analyze my situation, my needs and my personal goals. We developed my Financial Plan together.
I have certain amounts to save. Investments to convert at maturity. A schedule. It's simple and it will help me reach my goals.
I have certain amounts to save. Investments to convert at maturity. A schedule. It's simple and it will help me reach my goals.
What are your priorities?
Save for retirement
- Calculate how much you'll need to reach your goals
- Increase your savings potential
- Optimize your RRSP, TFSA and non-registered accounts
- Take advantage of investment tax strategies
Manage your retirement income
- Evaluate your needs
- Consider the options: annuities, RRIFs or others
- Withdraw from your RRSP at the right time
- Choose the most tax-efficient solutions
Save income taxes
- Reduce your taxes, even if you already contribute your maximum to your RRSP
- Maximise your deductions
- Split your income with your family members
- Cash damming (for business-owners)
Lower your debt
- Consolidate your mortgages, car loans and personal loans
- Get lower rates
- Adjust your budget to pay your debts more quickly
Finance your children's or grand-children's education
- Set up an education savings account to help them go far in life
- Put it in a tax shelter
- Get government grants
Buy an asset or plan a project
- Carry out a project
- Get a clear and realistic idea of costs
- Deal with unforeseen difficulties
Review your insurance coverage2
- Protect your family and assets
- Meet your financial obligations even if a disability keeps you from working
- Get enough coverage in the event of critical illness
Plan your estate3
- Get advice for making or reviewing your will and mandate in case of incapacity
- Make sure your loved ones have peace of mind
- Decrease the risks of family conflict
Featured products
- Chorus II Portfolios (initial investment of $100,000 and more)
- Universal life insurance.
To obtain your personalized Financial Plan, contact your advisor today.
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1. Financial planners and mutual funds representatives act on behalf of Desjardins Financial Services Firm Inc.
2. These services are offered by Desjardins Financial Security and Desjardins General Insurance.
3. Some services are offered in collaboration with other Desjardins experts.
