Announcing NEW cash flow opportunities for you!
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Many Canadians are finding that inflation and interest rates are either affecting them now or posing a risk to their financial future. As financial advisors, we believe that by adding a new Cash Flow Planning service, we can best serve clients to help ensure we've done all we can to help them get more life from their money.
We think a cash flow plan could be of significant value to you. Good news! A cash flow plan is not a budget, and we won't ask you to give up important...
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Financial Strategies & Divorce
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History tells us about half of marriages in Canada end in divorce. Andrew and Sara are about to end theirs and are concerned about the changes that will have to be made to their financial and estate plans. Some financial and estate issues they need to consider are:
Life Insurance – The first thing that needs to be done is a review of the beneficiary designations. If there are children, they may be the new beneficiaries and trustees will be needed if they are minors. This will affect both personal plans and group benefits. When one parent is responsible for child support payments, new life insurance may be needed to cover this obligation.
After the sale of their house, Andrew and...
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Estimating Retirement Expenses
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By far one of the most crucial financial strategy steps is accurately estimating retirement expenses. Correctly accounting for retirement living expenses is critical to ensuring that retirees do not outlive their money. For those already retired, there are usually few good options for creating new income sources later in life.
Getting retirement spending projections correct is both an art and a science. To deal effectively in planning for future retirement needs, a financial professional can help determine the best course of action.
Early into her teaching career, Sheila started working with a financial advisor who helped her plan ahead for a comfortable retirement. She learned...
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We cannot solve problems with the kind of thinking we employed when we came up with them.
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Albert Einstein
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Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. Segregated funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the prospectus of the segregated funds in which you invest. The information in this email newsletter is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual.
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Cerullo Financial Services
420 Weber St N, Waterloo, ON N2L 4E7
Ph: (519) 725-8311
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