Carmel Brown, 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 developing a plan based on sound principles and tailored to your unique priorities. Together, we will explore strategies to:

• Attain your goals through use of investments options such as mutual funds and GICs
• Optimize contributions to your RRSP and TFSA
• Maintain alignment with your investment plan
• Effectively manage bonuses, tax refunds, or other significant sums of money.

Let's work collaboratively to help secure your financial success.

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.

I am here to assist you in securing a meaningful future for the people and causes close to your heart. 

Together, we can explore essential aspects, including:

• The significance of having a comprehensive Will and estate plan
• Strategic methods for transferring assets, such as the family cottage, to your beneficiaries
• Thoughtful planning for the future continuity of your business. 

Let's work together to ensure your legacy reflects your intentions and contributes positively to the well-being of those you cherish.

By assessing your overall financial situation, including income, expenses, and current investments, I can provide strategic recommendations to help minimize the taxes for you and your family. Some of the tax-saving strategies I can assist with include:

• Optimizing tax advantages through registered plans like TFSA or RRSP
• Implementing income splitting strategies with your spouse
• Employing tax-efficient methods for passing assets to your beneficiaries. 

Let's work together to ensure a tax-efficient financial plan tailored to your unique circumstances.

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.