Saving & planning for your future.

No matter your age or life situation, putting a savings plan in place is essential for your financial well-being. Working with a financial advisor not only provides you with expert advice but also the ongoing guidance necessary as your personal and market situations change. But don't take our word for it, a recent study showed that the value of advice increases over time. Households with financial advice had more financial assets than households without it.*

Saving & planning for your future.

Be honest about your financial situation.

Know this - a financial advisor isn't there to judge. Think of it like going for a check-up at the doctor. The more they know about your money situation, the better advice they can provide. So be honest about the good, the bad and yes, the ugly of your money situation.

When your financial advisor has a good understanding of your situation, they'll help set up an investment plan that meets your personal goals. An investment plan is never cookie cutter – it's unique to your situation and your personal goals.

When life happens.

Major changes like getting married, having kids, retiring, losing a job or changing salaries often mean changes to your financial situation.

Meeting with your advisor will provide an opportunity to check your situation and recalibrate your plan if needed.

Meet regularly to review your investments.

If we're keeping with the doctor analogy then regular check-ups are a good way to make sure you're staying the course on the plan you set out with your financial advisor. At these times, or even in between, you should always feel free to ask questions about your investment portfolio. Did a new acronym appear in your latest statement? Go ahead and ask away.

Local and global market fluctuations making you sweat?

It's easy to feel tempted to cash out of your investments as the markets fluctuate. When this happens, it's best to connect your advisor who will provide advice based on your plan and goals.

Following the advice of your advisor and sticking with your plan are some of the best ways to help you achieve your goals.

Commit to investing in you.

Just like Rome, savings aren't built in a day. So it's important to remain diligent, save consistently and stay focused on your long-term goals.

Your advisor may suggest tactics such as monthly contributions or setting up an emergency fund. Keep spending in check and find ways to pay yourself first so you're committed to saving for your future.

Let's chat.

One thing you should take away from this guide is that an investment plan can happen any time in your life. Our experienced team will work with you to understand your situation, needs and goals so a personalized financial strategy and investment portfolio can be developed.

Find out more about how we can help with saving and planning.

You can also have Where You're At Money Chat®. We'll do a quick dive into your money situation to help you understand how you manage, save, grow and protect your money.

Schedule an appointment and we can help.
Was this guide helpful?

Thanks for the feedback.
We're really glad we could help!

Our Apologies.
We're having technical difficulties. Please try again later.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment and borrowing advice. All examples are hypothetical and are for illustrative purposes only. We cannot guarantee and will not be liable for their applicability or accuracy in regards to your individual circumstances. Other fees and costs may be applicable. Please contact us for full details. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

* Montmarquette, Claude. "An Econometric Analysis of Value of Advice in Canada." CIRANO, 2012.


Saving & planning for your future.