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Comprehensive Financial Planning

Financial planning is the long-term process of professionally managing your money to try to address your financial goals and aspirations. Your plan takes into account the personal and unique financial situation of you and your family over the long-term. Whereas a stockbroker helps you pick stocks, a Certified Financial Planner™ professional works with you to build a complete plan for your financial matters. This strategy will be based on your particular situation and life goals and attempt to get you to where you’d like to go. It takes into account aspects of your financial life such as cash flow, taxes, your children’s education, estate planning, insurance and more.

Hallmark Financial works with you to build your plan.

While building this plan may be the first step, we stay with you throughout the lifetime of the plan to execute it and make changes accordingly. A solid strategy involves often changing courses with changes in your life, both expected and unexpected. We take pride in the relationships we build with our clients; getting to know the needs of you and your family helps us ensure that your plan is tailored to accommodate your life. Think of us as your financial coach, working to help you throughout your financial lifetime, and even after.

First step: assess your needs and goals.

Our office works with many people like you, and it all starts with assessing your needs and goals. We develop a complete picture of your situation along with a realistic plan to help pursue these goals over the course of your lifetime. By staying in regular contact with you, actively managing the investments that make up your plan, and then monitoring its progress, we help ensure that your plan stays on track. As your situation evolves or the market or laws change, we’ll seek to ensure your plan is modified accordingly.

We help your plan stay on track

While many individuals prefer a “do-it-yourself” approach to investing, employing the advice of a professional financial planner offers many rewards. We can help you to get started in what can seem like a daunting process for those without the experience, time or desire to manage their finances.

Because each financial situation can be complex in its own way, we often work together with other specialists to help ensure your best interest is represented. Additional professionals such as attorneys, estate planners, and accountants can play an important role in developing and executing your financial plan.

We’d like to help you make the most of the opportunities available to you and promise to act with objectivity, experience and honesty. Our services seek to help you meet your financial goals and dreams one step at a time. Allow us to assess your financial health and put you on a plan that suits you and your family. Get in touch today to discuss how we may be able to help you.

Tax Planning

No one likes taxes. But through the advice of a professional financial advisor, you can access products and services that help ease the burden. Charitable contributions, life insurance policies and investment products titled properly can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.

Choose from a variety of products and services, such as:

  • Charitable donations, which benefits important not-for-profit work and allows donors to maximize tax credits.
  • Life insurance products that build tax-advantaged capital for retirement.
  • Investment products that provide for tax benefits
  • Get in touch today to learn more about tax-planning products and services that are specifically tailored for your needs.

Succession Planning

Preparing for succession after death is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan.

We can help you and your loved ones approach succession planning in a constructive manner that ensures they avoid problems and are well cared for in the event of your death. The process involves two main considerations: life insurance and preparing estate planning documents a will.

Life insurance can ease the financial burden and provide security for your loved ones in the event of your death. A lump-sum payment can be used for mortgage costs or to supplement lost income, helping your successors during a difficult period. Financial security and stability can make it easier to cope with the loss of a loved one.

A written will estate plan provides a means to guide your loved ones through the succession process. By naming your successors and providing instructions on the distribution of your estate, your surviving loved ones avoid having to guess your wishes. Rather than provincial law determining how your assets are to be divided—a situation that can result in lengthy court proceedings—a clear, carefully considered written will estate plan provides clear instructions to your successors. Save your loved ones the stress of dealing with financial issues by planning for your succession while you are alive.