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Wealth Management

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Financial Plan by caisse experts

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A reflection of your priorities

  • You have a straightforward list of financial goals, but it’s getting pretty long: save for retirement, ensure your family is financially secure, reduce your taxes, etc.
  • Having a plan can help you prioritize your goals so you can achieve them more easily.

Setting yourself up for success

  • There’s no substitute for the advice of a financial professional: they'll help you figure out if your expectations are on track.
  • According to a September 2013 survey by SOM, 93% of respondents who had a written financial plan were confident they'd reach their financial goals.

Practical at every stage of life

  • It's never too early—or too late—to start planning and investing.
  • Your Financial Plan is an ongoing plan: update it whenever a major life event occurs (e.g., you receive a financial windfall, you have a baby).

A quick exercise

  • Like with any other professional (like an account or lawyer), an hour is usually all it takes to meet with a financial expert.
  • The expertise of an advisor who analyzes your financial situation as a whole
  • Personalized advice and recommendations based on realistic goals
  • A detailed action plan with a timetable, which can be adjusted over time
  • Solutions designed to meet many of your needs simultaneously
  • A tool you can use to stay on course
  • A better chance of achieving your financial goals. According to a 2011 Ipsos Reid study, people with a financial plan who receive professional advice:
    • are twice as likely to save for retirement
    • have 4 times more savings

  • Prepare by outlining your goals and life plans.
  • Identify 2 or 3 subjects you’d like to discuss during the first meeting.
  • Gather the necessary documentation, such as statements of account and investment statements. (see Financial plan checklist)
  • Contact to your advisor at the caisse to make an appointment.
  • Expect a 1-hour appointment with your advisor.
  • You have an appointment with your caisse advisor to develop a concrete, personalized action plan that will help meet your goals.
  • To properly evaluate your personal and financial situation, your advisor will need certain information.The Financial plan checklist provides a list of documents to make the process easier.