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?
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. 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.
Once we have this foundational knowledge, we can begin forming a flexible financial plan designed just for you, addressing the following key outcomes:
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
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.
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.
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.
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.
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.