1. Find balance
through a healthy financial plan!
Committed Our mission:
dreams
to offer overall financial planning to successful
to your entrepreneurs, business people, and seniors who have
the economic means and desire to focus on their goals
and appreciate the lifetime relationship we offer…
Bill Simpson, CFP
For more information on the Desjardins Financial Security Independent Network, Stephen Cox
Life and Health Insurance Advisor
please visit the website Mutual Fund Representative*
Certified Financial Planner
dfsin.ca 333 Main Street
7001 Mumford Road, Tower 1, Suite 312
Windson (ON) G6L 1M4
Halifax, NS B3L 4N9
Tel.: 604-226-6547
Tel.: 902-446-4563
Toll-free: 1-866-226-6547
Toll Free: 1-877-256-6435
Fax: 604-528-6589
Fax: 902-446-4565
bill.simpson@dfsin.ca
steve.cox@dfsin.ca
www.dfsin.ca
www.stevecox.ca
*
® Registered trademark owned by Desjardins Financial Security
* Mutual funds distributed through Desjardins Financial Security Investments Inc.
2. Because your needs change over time… Financial products and services for individuals Financial Mapmaking
Your financial strategy must be reviewed at different Your personal plan must, among other things,
stages of your life. We provide a refreshing alternative to the product-focused
take the following into consideration: approach taken by most financial services advisors. Instead,
we focus on your specific needs offering a genuine long-term
Taking an extended trip
Personal Finances Taxation relationship to help you master your money.
Retiring
• Budget planning • General diagnostic
• Debt management • Analysis of taxes on investments
Getting divorced
Making a will
• Project funding • Tax strategies for lifetime, death, and
foreign assets
We are Financial Mapmakers
Buying a property
Insurance • Government programs
We help you to design and create the financial map of your future.
Receiving an inheritance
•
•
Life insurance
Critical illness and disability insurance Retirement This map represents your dreams and aspirations; each point of interest on
• Health and long-term care insurance • Planning goals and needs
• Personal or group insurance • Risk management the map represents a personal goal. It gives you the highest probability of
• Investment strategies achievement.
Starting a business
Protecting yourself in case of disability or critical illness Investments - Registered Retirement Savings Plan (RRSP)
- Tax Free Savings Account (TFSA) Then we will look for the “financial vehicles” to start the journey.
• Investment policy, investor profile and periodic reviews • RRSP loans
• Second opinion on your portfolio • Payout strategies
• Increasing the value of your estate - Registered Retirement Income Fund (RRIF) We find that most clients come to us having accumulated many different
Getting married
• Systematically saving more financial vehicles, but few of them with any strategy or coherency.
Having a child •
•
Registered Education Savings Plan (RESP)
Registered Disability Savings Plan (RDSP) Legal
We will take a look at the financial vehicles that you already have and see if
• Wills and Powers of Attorney
they fit into the financial map we design together. If they fit we will keep them,
Taking a sabbatical Estate • Marriage and civil union contracts
but if they don’t we will try to improve or upgrade them.
• Transfer of assets at death
• Testamentary trusts
Losing a loved one • Settlement costs at death You wouldn’t usually start a long distance road trip with an outdated map, why
• Evaluation of succession duties should your finances be any different?
As part of our ongoing relationship, we will regularly review your progress.
Changing careers
Life changes; we want to ensure that we are on the right track every step of
the way.
Products and services for businesses
Why would you buy
If you are self-employed
a financial vehicle before you design
or a shareholder in or owner of a business, a financial map?
you must also, among other things, consider the following:
Planning shareholder needs, including coverage in Financing debt structure, the buyout of a partner,
case of death, disability or critical illness, and buy and venture capital
sell agreements
Tax efficient strategies, savings and estate planning
Risk management with regard to key employees and for your business
cooperation
employee benefits
Insurance and Group Pension Plan
Individual Pension Plan (IPP)