Financial planning

Financial planning is the process that helps you reach the objectives of the different steps in your life, through the appropriate management of your financial resources. Financial planning includes all aspects of your financial situation, namely :


  • Your investment preferences
  • Day-to-day management of your investments
  • Cash-flow management
  • Retirement planning
  • Estate planning
  • Tax planning
  • Insurance needs


Your financial adviser will lead you through the detailed exercise of financial planning. Together, you will develop an overall strategy that will address your short-term concerns adequately, while preserving your long-term financial security.

Why Do I Need a Financial Advisor?

Designing a plan to assure your long-term financial security requires knowledge in many different disciplines that very few of us have, or have the time to acquire. There are many reasons to consult a financial adviser, and the most frequent ones that people mention are :


  • To help manage their financial situation more quickly and with less work
  • To confirm that their insurance coverage is adequate for their present situation
  • To receive timely and educated advice on markets and investments
  • To be advised on tax and budget planning
  • To produce maximum results with retirement savings


Do you know where you stand right now financially? Do you know where you would want to be? Most people have a hard time planning because they don't really know how, and because they don't have clear objectives. They are confused by the number of possible investments and the intricacy of taxation.

You should be able to know, at all times, if your present financial plans will enable you to reach your objectives and make your dreams come true. Beaudry-Deschatelets Financial Group will help you design a financial plan that will fulfil your needs and yearnings.

The first step of a good financial plan is to determine your objectives, for short, medium and long term. Next comes the development of an investment strategy aimed at meeting those objectives and that takes into account your risk tolerance level.

Finally, your financial plan must do both: ensure that your income will always cover adequately your day-to-day financial obligations; and that you save enough to get a satisfactory income to offset income loss at retirement time.

In the end, financial planning is there to minimize fiscal impact on your investment, by looking carefully at the different investment plans available. The educated advice provided may save you considerable money.

Of course, the advice will be tailored to your life objectives, your available income and your age. You may be 20 years old, or you may be 60 years old. Regardless, we will be able to design a financial plan that will bring you closer to your objectives.

Contact us now to meet one of our financial advisers.