Calgary Certified Financial Planner

Calgary-Financial-Advisor

“Will I run out of money in my retirement?”

“How can I best protect myself and the ones I’m responsible for if I become disabled, suffer a critical illness or die prematurely?”

“Am I needlessly losing valuable tax credits?”

These are some of the questions that are concerning many Canadians.

Want answers? Please call 403-640-0928 or email tpozdin@dundeewealth.com for a free one hour consultation.

As your Certified Financial Planner my mandate is to provide you with solutions and strategies that address these concerns.

Everyone needs a dedicated professional they can trust to provide current financial information that allows them to make the best decisions about their own financial future, without feeling the pressure to buy financial services that may not meet their needs.

You can count on me to provide unbiased financial advice, a comprehensive financial plan and regular updates to assess progress and adjust the plan as required to meet changing circumstances.

Tony Pozdin CFP^®, CPE

Financial planning is more than a set of tactics. Financial planning is a process that determines how you can best meet your life goals through the proper management of your financial affairs.

Seeing the big picture

The key to effective financial planning is the ability to take into account all relevant aspects of your financial situation (“the big picture”), and to identify and analyze the interrelationships among sometimes conflicting objectives. This unique integration of knowledge and skills across a broad range of topics distinguishes professional financial planning from other related financial advice. This requires the skills of a competent and ethical expert.

Why choose a CFP® professional?

Certified Financial Planner (CFP®) certification is the industry gold standard in financial planning. CFP® professionals are the largest identifiable body of licensed financial planners in Canada with over 17,500 individuals meeting the strict standards of this designation.

Certified Portfolio Engineer (CPE) certification means your DundeeWealth advisor has successfully completed the DundeeWealth Certified Portfolio Engineer Program and is by definition qualified to make informed investment decisions regarding the assessment of portfolios, products and new investment strategies.

Your understanding of the fundamentals of financial planning, having a written financial plan and reviewing your financial plan annually will enhances the probability of reaching your financial objectives.

Investment Planning Fundamentals

Protect your earning power with prudent risk management by having appropriate *Disability, *Critical Illness and *Life Insurance in place.
Consolidate your holdings with one financial advisor thus avoiding conflicting advice caused by advisors not having clarity with respect to your entire financial picture.
Have a comprehensive financial plan in place that incorporates asset allocation based on your individual risk tolerance and time horizon.
Your asset classes should be rebalanced regularly and your Investment Policy Statement (IPS) measured against an appropriate benchmark.
Structure retirement income so that valuable tax credits are not lost.

Links to investment, sustainable retirement income options and estate planning fundamentals

Risks that are unique if you’re nearing or in retirement include:

Longevity risk, with today’s increased life expectancies, there is a chance you may outlive your savings.
Inflation risk, the rising cost of goods and services can erode the buying power of your savings over time.
Sequence of returns, poor market returns immediately before or after retirement may mean that you’ll consume your savings faster than you would expect as demonstrated in the Cash Wedge link above.

Are you 100% sure that you currently have the right asset allocation mix in your investment portfolio? Do you have the right risk management (insurance) strategies working for you? If you’re unsure, I’d be pleased to give you an unbiased second opinion, free of charge.

Full disclosure, fees, and references are available upon request and are fully disclosed prior to establishing a client / advisor relationship.

Tony Pozdin, CFP^®, CPE Calgary-Financial-Advisor