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South Coast Financial ServicesWe care about your financial self defence ... shouldn't you? |
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Dear Visitor,Happy New Year!
May 2019 be one of the best years you have had. Financial Goals AnalysisIt all starts with te Financial Goals Analysis. We meet you at your home, collect some basic financial information from you. Based on that we prepare your Financial Goals Analysis and book a subsequent appointment to show you the results. The FGA is the road map to your financial goals and dreams, and best of all it's complimentary. Book your Financial Goals Analysis today!Income ProtectionIf something were to happen to you today would your family be able to keep the family home and maintain the life style you would like. Your income could be lost to the family if you become disabled or contract a critical illness. Worse yet, if you pass away how would your family maintain their home and lifestyle. It is important to make sure you have the right type and right amount of insurance. Debt ReconstructionIt's that time of year when we start to receive the bills from our Christmas spending. Sometimes we find ourselves in a bind where we cannot make the required payments. It may be that we need to consider Debt Reconstruction where we would reconstruct the mortgage on the house, reduce our overall monthly payments and potentially have additional cash to use for other needs. We work with a mortgage broker who has been able to help families that the banks could not. We have actually saved families hundreds of dollars through Debt Reconstruction. Investing for the FutureIt's RRSP Season!Actually RRSP season is all year round however we have the opportunity in January and February to top up our 2018 contributions and use this as a deduction on our income taxes.2018 didn't end up as good as we would like!The returns on the 2018 investments were not as good as expected. The markets dropped largely due to things happening outside Canada such as the tarriffs put on by the United States and other factors. Is this going to continue into 2019, nobody can say for certain however when the markets are down it's a good time to invest more since over any 10 year period so far the market is always up so gains can be made.The government has given us a increase from $5500 to $6000 for our TFSA contributions in 2019.Wills & Powers of AttorneyWills and Powers of Attorney are probably the most important documents we can have. You never know when the time will come to use them. The Powers of Attorney can be used when you are unable to make financial and life decissions for yourself, you wishes will be carried out by someone you appoint. Wills allow us to ensure that our estate is distributed to people and organizations as we wish.We offer Legal Shield which allows you to have your Wills & Powers of Attorney reviewed and updated every year. In addition you have access to lawyers 7/24 to answer legal issues you may have. Travel InsuranceAre you planning on travelling outside Canada. Make sure you have the right type of travel insurance and enough coverage to cover unexpected medical expenses / medical travel home. Without travel insurance you may end up with large medical bills and having to stay outside Canada until you can return home.Group BenefitsDo you own a business or are an employee of a business looking for a group benefit package? Many companies would like group benefits but find that they are too expensive. You should contact us, we can create a tailored group benefit package to fit your budget. In fact if you already have group benefits you may want to contact us, we may even be able to save you money compared to what you are spending today.Relaunch of our web siteLastly we have relaunched our web site, it now has a new look and feel. We think you will find it more informative and included with this we are now placing posts on Facebook and Twitter, follow us on thes social media sites, the links are below.Make sure you book your appointment for your complimentary, comprehensive and confidential Financial Goals Analysis. The analysis can lead you and your family to your financial goals and dreams!
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We care about your financial self defence ... shouldn't you?
We are able to meet with clients new & old
through on-line meetings or via the phone.
We can do applications with electronic signatures.
We normally meet at your home where you are more comfortable but due to Covid-19 we can meet with you virtually over a web meeting or via the phone.
We get to know you and you get to know us
We collect information about you to perform a complimentary, confidential Financial Goals Analysis
We book a follow up appointment to provide with a road map to meet your goals and dreams
We present to you a detailed presentation outlining the following:
Your net worth
Income protection / insurance requirements (life, disability & critical illness)
Your financial independence number & retirement saving needs
Saving for your children's education
Debt reconstruction
We follow up with you regularly
When you receive your investment statements
When ever you have questions
When you find you need to make changes to your "Financial Road Map"
