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Planning for Assisted Living and Long-Term Care helps you prepare for the contingencies of aging.

Plansmart™ Financial Planning
Planning your financial future may seem like a big task, but it doesn't have to be.

We can help you establish a blueprint to build your financial foundation, taking you through the planning basics of protecting your income, building your wealth and employing your assets so that you will be on track to a secure future. Whether you're just starting out or whether you've decided to reassess what you are doing, Plansmart™ can help you map out your own personal strategy.

"What will Plansmart™ Financial Planning teach me?"

In the instructional sessions, you will hear clear explanations to demystify economic concepts and see simple illustrations of the working of various financial tools. Learn how to tie all your financial resources together to complement each other in the most effective manner -- government benefits, pensions, RRSP's, insurance and investment products all have a strategic role in your personal plan. Timely ideas for the current Canadian environment to help you save money, maximize the return on your investments and reduce the tax you have to pay.

At your option, you will receive a one-on-one consultation with a planning specialist to help you structure your own personal plan.

Plansmart™ Financial Planning sessions are facilitated by qualified financial planners. They are held across the country in continuing education programs and employee benefits programs.

Find a seminar in your city or have this seminar held at your place of work

Recommended reading

Buying Time by Daryl Diamond

The Structure of Retirement Income by Daryl Diamond

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Plansmart™ Financial Planning By Daryl Diamond CFP CLU CHFC ISBN 0-9730175-1-1 176 pages Program Modules Basic Financial Concepts Certain basic concepts are essential to understanding the importance of strategic planning. Recognizing the impact of such factors as inflation, compounding, real rates of return, and demographic influences are a sound starting point. Taxes And Tax Planning Knowing how the Canadian tax system works and what can be done to reduce the amount of tax that is paid is the focus of this module. Suggested strategies illustrate how Canadians can keep more of their money working for themselves, resulting in significant long-term benefits. Budgeting, Cash Flow and Debt Management Major expenses such as mortgages, car loans and the costs of raising a family are high at a time when people are getting started. How can they balance these obligations while trying to enjoy their current lifestyle and save for the future? Managing Risks This session deals with the risks that can impair or stop an individual's earning power. Specifically, the topics of life, disability and critical illness insurance are examined. Planning For The Future Although such things as retirement and tuition costs may seem to be far off in the future when you’re just starting out, small sacrifices made today can foster huge results down the road. Having a plan and starting early are two key messages covered in this section. Investing and Portfolio Structure What is the best approach to investing in order to balance risk and return? This session deals with investment alternatives, the costs of investing and the portfolio approach that differentiates investing from speculating. Sources Of Retirement Income This material examines the best use of personal assets, government entitlements and employer sponsored programs in structuring retirement income. Wills etc. This section looks at some basic estate planning issues including the use of wills and trusts. The content is applicable not only to the participants but also to their parents because of intergenerational wealth transfer issues that may impact both parties directly.

Rarestone Financial Series Inc.
111 Pulford Street Winnipeg, Manitoba R3L 1X8
Phone 204-947-5766 Fax 204-949-4724 Toll Free 866-947-5766
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