When people think about working with a Wealth Advisor, the first thing that usually comes to mind is “what will I be investing in?” And while investment advice and choosing the right investment option is certainly important, it’s only part of the picture. Choosing to work with a Wealth Advisor at PenFinancial and Aviso Wealth is really about creating an investment plan that looks at your entire life, your goals, your priorities, and your future.
The conversation doesn’t start with an investment option. It starts with you. Whether your focus is on buying a home, saving for your children’s education, planning for retirement, or leaving a legacy for your family, your Wealth Advisor at PenFinancial and Aviso Wealth takes the time to understand what matters most. From there, they can help you create a plan that balances today’s needs with tomorrow’s dreams.
A comprehensive plan considers how to structure your savings in a tax efficient way, making sure you’re not paying more than you need to. That could mean deciding whether a TFSA or RRSP is the right place for your contributions, setting up a Registered Education Savings Plan for your kids, or planning withdrawals in retirement in a way that minimizes your tax burden. It also means paying attention to things like estate planning and cash flow so that your money is working as hard as possible, and in a way that gives you peace of mind.
For example, take someone who owns a family cottage on Lake Erie. Selling a property like this can potentially come with a hefty tax bill due to a variety of reasons. Without proper advice, it’s easy to overlook strategies that could help reduce the impact. A Wealth Advisor at PenFinancial and Aviso Wealth can work with you to plan ahead, help consider the timing of the potential sale and managing the proceeds in a way that minimizes the overall tax hit. By building this kind of planning into your broader financial strategy, you could save thousands of dollars. And that’s money that can then be reinvested into your retirement, passed on to family, or used to create new experiences and memories.
Life doesn’t stand still, and neither should your investment plan. When you work with us, you’re building a relationship with someone who knows the community and understands the realities of living in Niagara. As your circumstances change, whether it’s a career move, a new home, or changes in the economy, your Advisor will revisit your plan with you, making adjustments so it continues to reflect your goals.
One final note. Here at PenFi, you don’t need to worry about financial jargon or complicated charts. We’re here to explain things in a way that makes sense and keeps you connected to the bigger picture. Investments are just the tools. The real value is having someone who can guide you through every stage of life with advice that’s rooted in your goals, your values, and your community.
Choosing a Wealth Advisor isn’t just about how you invest your money. It’s about building a comprehensive plan that supports the life you want to live today, tomorrow, and well into the future.
Connect with a Wealth Advisor at PenFinancial and Aviso Wealth today and start building a financial plan that’s truly built around you.
Note The information contained in this article was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete. This material is for informational and educational purposes and it is not intended to provide specific advice including, without limitation, investment, financial, tax or similar matters. The views expressed are those of the author and not necessarily those of Aviso Wealth.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Unless otherwise stated, mutual funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions
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