We all have goals and dreams, however establishing a plan to achieve them is key. Your Financial Planner will put together your Personal Financial Action Plan (PFAP) that will provide a step-by-step strategy to achieve your goals. We look at all areas of budget and cashflow management providing guidance for savings. We then look at tax effectiveness; should you use a TFSA or an RRSP, etc. Then we factor in risk management, which is looking at what you want to happen if you should die, become disabled or get sick. The final area is “estate planning”, which is a way of planning for whatever you don’t spend.