Basic Financial Investing


When hiring a financial planner remember that it is the basic financial investing concepts that set a professional financial planner apart from any other financial planner who may or may not have the proper training.

A financial planner program prepared by a certified financial planner advisor who has been granted a diploma from the Institut québécois de la planification financière (IQPF) and who will expertly advise you and help you reach your financial goals.

Estate Financial Planner


Estate planning. Your estate financial planner understands the civil-laws related to estate and to insurance issues. S/he is able to properly explore estate-planning concepts, examine advanced risk-management techniques and apply them the right way.

Finance. Your financial-planner prepares your net worth personal financial statement and analysis as well as the cash-and-debt-management issues that stem from it. S/he takes into consideration the time value of your money and the influence of macro and micro economic factors in the financial calculations of your personal finance.

Financial Investment Advice


Insurance. The insurance expertise of your financial planner and his or her financial planner resources help you make the right choices. Decisions can indeed be difficult since the industry offers a vast selection of products and services including life insurance, disability, accident and sickness insurance, investments, underwriting, pricing, claims, planning taxation and risk management.

Investment. Your family financial planner helps you take smart investment decisions based on your needs. S/he will analyze the risk-return relationship of your investments, explain exchanges and clearinghouses, measure your mutual funds performance and determine a fee structure.

Legal aspects. Select a financial planner you can trust and who understands contracts, knows the laws that govern them and can explain the procedures of a breach of contract. Your financial planner advisor should be able to distinguish between real and personal property and between personal and corporate values.

Financial Retirement Planner


Retirement. Financial independence and security in retirement is a central function of financial planning. Financial planner standards require that your financial-planner identifies your retirement planning opportunities and potential sources of revenue during retirement.

Your financial planner will also inform you about the importance of wills, their characteristics and the implications of related succession laws and families.

Taxation. Your personal financial planner organizes, evaluates and analyzes your financial information and then designs and implements your financial plan. 

Your personal plan could include concepts such as portfolio-management, tax-planning strategies, administrative provisions, tax implications of residency, income splitting, attribution rules and taxation of trusts and businesses.

Financial Investing Advice


Remember, your personal analyst financial planner must understand the legal requirements related to your financial planning, must properly explain your rights and your responsibilities regarding all the basic financial concepts and must establish an ethical and trustful relationship with you.

Montréal PROFESSIONALS Kit

Financial Investing by Rachel Louise Barry