Financial Planning
The Unity Way
Whether you’re an individual, family, farm operation, or small business owner seeking advice, our financial planning services help you progress towards long-term success.
What is Involved in the Unity Process?
- 1
Getting to know you
This process starts with building relationships. We take time to get to know who you are, where you have come from, your present circumstances, and your future hopes and dreams.
- 2
Building your plan
Once we have this foundational knowledge, we can begin forming a flexible financial plan designed just for you, addressing the key outcomes below.
- 3
Reviewing and refining
The real value comes over time from working together to review, rethink, and refine the plan to ensure continued progress.
The outcomes your plan addresses
Building a comprehensive financial plan starts with the end in mind. Successful planning is measured by knowing where you are beginning, preparing for forks in the road, and having a destination.
Growing Your Resources
Investment Management
There are several reasons why someone might want to invest their money. For you it may be to save in case of emergency, for your child’s education, for retirement or all the above. Whatever the reason it is important to make the right decisions about where your money goes. We can help you compare the benefits of various investment accounts (i.e., TFSA vs RSP) to determine which are right for you.
At Unity Financial, we commit to:
- Educating you on solutions available
- Giving you an understanding of various levels of risk
- Disclosing management and services fees upfront
- Tracking progress and suggesting adjustments to your plan over time
Planning for the Unforeseen
Risk Management
A question everyone should consider is “Will my loved ones be provided for should something happen to me?” If you are a business owner you should also be asking, “Will my company continue to operate should something happen to a key person?”. There are numerous types of coverage available to mitigate unforeseen situations (i.e., injury, sickness, and death). At Unity Financial we want to inform and help you select the coverage that makes sense. It is unlikely that you will need every type of insurance but there are serious risks when you have no coverage at all. There are two important questions to ask yourself when determining which type(s) are appropriate for your needs.
- What is the financial impact on my life, my business, or my family if I become disabled, suffer critical illness, or pass away?
- What insurance product(s) will help mitigate that risk?
These are challenging questions to answer but our team can help you navigate the available options to find the best solutions for you.
Guilt Free Spending
Budgeting and Debt Management
At Unity Financial we will work with you to develop a plan that establishes a balanced budget and allows for guilt free spending, an opportunity fund, and sensible debt management strategies. We are detailed in our approach, providing you with tools to track monthly cash flow to help you follow your plan and prepare for emergencies and unforeseen financial difficulties. We not only address retirement goals, but other important goals, such as buying a house or saving for your children’s education. We will be here to help as your plans evolve through unexpected circumstances.
Paying Less Tax
Taxation Strategies
It is important to understand the tax implications involved when making financial decisions. We are committed to making sure you have answers to questions like “Should I be investing in an RSP or a TFSA?” and that your taxes are optimized now and in the future. We bring a wealth of knowledge and experience to this area and have several strategies at our fingertips to assist you as you plan. We see the value and are open to working collaboratively with your accountant, lawyer, and any others that you have chosen to assist you with your finances.
Protecting Your Loved Ones
Estate and Succession
Life is a journey moving from one stage to another. We take the time to ensure you understand options that are relevant and available to you when establishing a will and caring for the security of your family through the different seasons that come and go. At Unity Financial you will receive thoughtful recommendations to help you both preserve and transfer your resources with ease and minimize tax implications.
Your Advisor & You
Working Together in Unity
With a passion for helping others, your advisor is committed to planning with you.
Why Work With a Financial Advisor?
Life is busy and the reality is most people do not have the time or knowledge required to create a comprehensive financial plan. You know that having a plan is essential to achieving your goals. We are here to help. We take the time to listen to the details of your current situation and future objectives. As experienced Financial Advisors, we present the ideal options available and then together we create a road map to establish financial growth and security. We work collaboratively to make sure you understand the terms, concepts, and processes involved along the way.
We are committed to:
- Developing a practical and comprehensive financial plan with you that operates within your risk tolerance
- Reviewing the plan regularly and suggesting adjustments as needed
- Tracking progress over time to ensure success in following your plan
- Being available to help as your plans evolve and through unexpected circumstances
It’s Important That You Understand:
Our Credentials
A wealth of education and experience
As advisors, we strive to practice the same advice that we share with our clients. We bring a wealth of knowledge and expertise obtained from our own experiences and exceptional training. We are committed to putting your needs first and to participating in continuing education opportunities. All our advisors are fully certified with their LLQP (insurance) and Mutual Fund licenses. Those with a CFP® designation are registered Certified Financial Planners.
*Certified Financial Planners (CFP®) must complete a rigorous education program, pass a national exam, and demonstrate three years of qualifying work experience. CFP® professionals must keep their knowledge and skills current by completing 30 hours of continuing education each year. They must also adhere to the CFP® Standards of Professional Responsibility, including a Code of Ethics which mandates that CFP® professionals place their clients’ interests first. The Standards Council vigilantly enforces those standards.
Our Fee Structure
Nothing hidden. No surprises.
We are transparent and trustworthy. We do better when you do better. We take the time from the beginning to explain how we are compensated and how management fees and fees for service are applied.
Why Choose Unity?
At Unity Financial we are committed to working transparently with each of our clients. We take time to get to know you. We listen to the details concerning your current situation and future objectives. With this knowledge, we help you create a road map to establish financial growth and security.
If you’d like to discuss our financial solutions, please feel free to contact us.