Together, let’s simplify your season of life

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Spring Financial Planning

Spring

If you are just starting out, or even if you are starting over, deGraaf Financial Strategies can simplify this season for you by shopping the financial markets for the best solutions to your unique needs and get you started on the best financial path.

Personalized and unbiased advice is a sure way to get you on the path to financial freedom and making these early years count.

  • Life Insurance
  • Mortgage Insurance
  • Disability Insurance
  • Cash Flow Planning
  • RRSP (Registered Retirement Savings Account)
  • RESP (Registered Education Savings Plan)
  • TFSA (Tax-Free Savings Account)
Summer RRSPs and TFSAs

Summer

Allow us to guide you towards the retirement you dream about – whether that’s travelling the world, hanging out with the grandkids or volunteering in your neighbourhood.

One thing is for sure, you can count on deGraaf Financial to get to know you and to be there when you need us, unlike the revolving door at the bank. We work for you – and we aren’t going anywhere.

Let’s review strategies to maximize your investments and your tax breaks while we work towards those dreams together!

  • Retirement Savings Planning
  • Tax-Efficient Investments
  • Naming Beneficiaries
  • Critical Illness Insurance
  • Employee Benefits
  • Company Pensions
  • Severance Packages
  • Debt Management
Retirement Income Planning

Autumn

Our specialty is the Autumn season and providing clients with peace of mind, in knowing we have taken steps to ensure their retirement income will last their lifetime.

Switching from the Savings season to the Income season is a big transition for most people and should be done with the guidance of a qualified Financial Planner, to ensure your Retirement Income is tax efficient and maximizes your government benefits.

Having a Financial Plan is like having a Retirement Roadmap which gives you a preview of the road ahead – based on your savings and spending.

  • Pensions
  • RRSP’s, RRIF’s and Annuities
  • Retirement Income for Life
  • Tax-efficient Strategies
  • Estate Friendly Investments
  • Charitable Gift Planning
  • Team of Professionals
  • Certified Financial Planner
End of Life Planning

Winter

From real, personal experiences Léony understands the most difficult time for any family is when a loved one passes. Léony is there for her client’s loved ones, to help ease the financial transition and guide them through the Estate process.

As a Certified Executor’s Adviser (CEA) Léony is able to guide Executors and ease the burden of the latest probate regulations and Estate Information Return (EIR) requirements.

  • Estate Guidance & Planning
  • Estate Friendly Investments
  • Estate Transitions
  • Gradual Inheritance Strategy
  • Probate Planning (Estate Admin Tax)
  • Executor Assistance