Maximize your next meeting with a Financial Advisor

The New Year is upon us! Do you have financial goals you want to achieve in 2019? Perhaps you want to pay off holiday debt, or maybe you want to start saving more for a new vehicle, a new home, or for your retirement. No matter what your financial goals are for 2019, a meeting with a Financial Advisor can help to set your goals in motion and allow you to achieve what matters most. This month, I’d like to share some tips on how to make the most of your next meeting with a Financial Advisor:

Before your meeting:

Consider your current finances: Once your meeting is scheduled, it’s time to give your current financial position some thought. Do you have any debt? Do you have an idea of when you’d like to retire? Do you have any other financial goals you’d like to achieve? If you’re married or common-law, I recommend discussing your financial goals with your partner. If you’re single, discuss your goals with a close friend or family member and ask them for feedback. This will help to ensure you’re on the right track before your meeting.  

Gather what you’ll need: Bring your budget (if you have one, or try this budgeting template), recent pay stubs, tax returns from the last two or three years, statements or details about your investments, insurance policies, statement details on any debt you owe (mortgages, credit cards, student, business or personal loans, etc.) and information on any trust funds you may be a beneficiary to. And, if you’ve ever had a financial plan made in the past, bring that with you too so your Advisor can understand what you’ve been working towards.

At your meeting:

Ask questions: During your meeting, ask the questions that will help you grasp the full scope of your current finances. Questions I often hear are:
  • What is the most important part of reducing debt or saving money?
  • Am I on-track with my retirement savings?
  • Is my portfolio diversified enough to meet my financial goals?
  • What’s missing from my financial plan?
Build a plan that you’re comfortable with: Now, with a firm grasp on your current finances and your future goals in mind, your Financial Advisor will work with you to create a plan to help you achieve those goals. This could include finding ways to save – such as through a Tax-Free Savings Account (TFSA), a Guaranteed Investment Certificate (GIC), or a Registered Retirement Savings Plan (RRSP) – to best suit your needs, your income and your retirement plans.

Overall, remember that a financial plan is the key that enables you to take charge of your finances. With a plan in-place, you’ll have the tools you need to decide what will happen with your hard-earned money, and when. Consider scheduling a semi-annual meeting with your Financial Advisor to ensure your plan is on-track, and whether or not your plan needs to be adjusted to fit any changes in your personal life. To schedule your meeting with an Advisor, click here, or contact us at (902) 492.6500 or We look forward to working with you to help you achieve what matters most in 2019!


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