Heather Johns, B.A.(honours), CFP, CPCA
Financial Advisor
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As your Assante advisor, my role is to help you make smarter financial decisions. No matter what stage in life you are at, a Financial Advisor can be a great help in some or all of the following areas:
- investment planning
- risk management and insurance planning
- tax planning
- estate planning
- cash and credit management
With over 12 years of industry experience and the Certified Financial Planner Designation, I have the skills and knowledge required to make your wealth management strategy a success. I believe that money is about more than dollar signs and percentages. It is about what it allows you to enjoy in your life. Not having to worry about money is key to a life that inspires you.
With the Wealth Planning Group of United Financial, Division of CI Private Counsel LP, extensive national network behind me, you can count upon a professional team of accountants, lawyers, tax and estate planning specialists to support me in the delivery of wealth management solutions, as well as provide access to a variety of investment and insurance options.
Financial planning should be an exciting and enjoyable experience and an initial consultation with me is where it all begins. It's free, there are no contracts to sign and there are no further obligations - guaranteed.
After meeting with you for the first time, getting clear on what's important to you and discussing your current objectives, we begin developing a plan for your financial future. Working together, we can help turn your financial dreams into reality!
INVESTMENT PLANNING
Translation: Make my savings grow!
Congratulations!
You have stuck to your budget and you now have a savings account to be proud of. You might have some ideas on what you would like to do with this money in a few years time or maybe, you have no specific plans other than to tuck it away for a rainy day.
Perhaps you already have a significant investment portfolio, but you are wondering if it could somehow be managed differently in order to improve your current returns.
Regardless of your level of investment expertise, the one thing you are sure about is that you want your money to grow faster than if it was stashed in your mattress!
As your Financial Advisor, I can provide you with the advice you need in order to make these important investment decisions and answer that nagging question - "How much is enough?" ...be it for retirement, children's education or some other specific financial target.
By getting to know you as an individual and understanding your life goals, I can help you establish achievable financial milestones and develop a personalized investment strategy that is designed to achieve the best possible return for the amount of risk that's appropriate for you. Not only will I ensure that your investment strategy is structured in such a way that you clearly understand the process, but I will also provide you with a written Investment Policy Statement that will detail exactly how your money will be managed.
TAX PLANNING
Translation: Put the tax collector on minimum wage!
Nobody likes paying taxes, and certainly nobody likes paying more taxes than they should. Tax planning involves more than just making a last minute RRSP contribution at tax time! There are other ways to tax shelter your investments throughout the course of the year including restructuring your portfolio to favour more tax advantaged investments, tax sheltered investment products, and strategies to achieve the most tax efficient retirement income possible. At the end of the day, the goal is to avoid paying unnecessary taxes so that you have more money available to enjoy life's little perks.
RISK MANAGEMENT AND INSURANCE PLANNING
Translation: Murphy's Law
Nobody likes this Murphy guy and it's guaranteed that he'll always show up at the worst of times! There are many risks associated with day to day living, and the best way to be prepared for them is to ensure that you maintain the right amount and type of insurance.
Through Assante Estate and Insurance Services, I can provide you with access to solutions that ensure that you have adequate coverage in place in the event you are forced to deal with sickness, disability or death. I can also refer you to local General Insurance Agents to obtain automobile and property insurance. As part of an overall wealth management plan, I may also recommend certain insurance solutions to provide alternate sources of retirement income.
ESTATE PLANNING
Translation: After I'm gone?
Wait a minute, don't start the party yet! An estate plan is not all about death, it should be a living plan that you create today to provide you with assurance that your financial legacy will be passed along according to your last wishes. What exactly is an estate plan? You may have heard the term used frequently and have an idea of what it is about but do you really understand the financial benefits it can offer?
As your Financial Advisor, I can provide advice on how to structure your estate plan to minimize unnecessary hassles, and potentially save your executor time and your estate money. I can provide advice on the most tax efficient manner of distributing your assets and even estimate the final tax bill in order to create strategies to minimize the amount that must be paid to the government in taxes. By discussing an estate plan with me today, I can integrate other aspects of your overall wealth management plan and help you structure your present day activities in order to maximize the benefits down the road.
CASH AND CREDIT MANAGEMENT
Translation: Spending money when I need it!
By integrating your cash and credit balances into an overall wealth management strategy, you can be certain everything is working together.
I can help build flexibility into your financial affairs, because you never know when a new opportunity will present itself.
As an Assante client, you will have access to financial solutions at competitive rates, including lines of credit, high yield savings accounts, mortgages and RRSP loans.
Who says you can't be on the beach when you reach your financial goals...don't forget your sunscreen!
Assante Story
Founded in 1995, Assante Wealth Management is a leading provider of
integrated wealth management solutions, designed to meet the needs and goals of
individuals, families and businesses across Canada.
Our advisors and their clients are at the centre of our business and are supported by the exceptional investment management team and wealth planning group available through our sister-company, CI Investment Inc. and United Financial, a division of CI Private Counsel LP.
Be well-advised is our promise to you.
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