Allan Balladares, PFP

How do you strike the right balance between living for today and saving for tomorrow? I specialize in assessing your complete financial picture and providing personalized cash flow strategies to help you prioritize your financial goals. Together, we can address crucial questions such as:

• How can we effectively balance paying off debt and saving for the future?
• Should your focus be on saving for retirement or your children's education?
• Are there strategies available to minimize your income tax burden? 

Let's collaborate to find the optimal solutions for your unique financial journey.

I am here to assist you in making sure you have a solid, yet flexible plan in place to handle the changes you may encounter along the way. We can explore topics such as:

• How much do I need to retire?
• Whether you can—or should—retire early
• Understanding your pension choices
• What is your desired lifestyle during retirement? 

Let's collaboratively explore these topics and tailor a plan that aligns with your unique plans and financial objectives.

If you're approaching retirement, I specialize in crafting a personalized plan tailored to your envisioned retirement lifestyle, using financial planning disciplines that help ensure your financial resources are sustainable. Here are key considerations I can assist you with:

• Evaluating whether your current savings are sufficient for your retirement goals
• Guiding you through financial considerations at ages 65 and 71
• Exploring the advantages and drawbacks of downsizing your home
• Strategizing the optimal timing for Canada Pension Plan (CPP)/Quebec Pension Plan (QPP) withdrawals. 

Let's collaborate to navigate these decisions and to establish a fulfilling retirement for you.