Financial planning starts with getting a handle on your unique financial situation. A CFP® professional or a QAFP® professional has the training to help you do just that, by working with you to understand what direction you see your life progressing in, and then creating strategies designed to help you maximize your potential for reaching and maintaining your goals.
Financial planning means working with a CFP professional or QAFP professional to achieve your goals. Together, you look at what you earn, spend, and want for the future. Financial planning can help you decide if you should rent or purchase a home, pay down debt, set a date for retirement, or leave a gift for family or a cause you care about.
Planning can also help you save smarter, assess your current and future tax obligations, grow your money, and protect against financial loss from events such as accidents, illness, or death.
Planning doesn’t stop when you retire—it just changes with you. Your plan may include strategies to help you manage income from CPP, OAS, and savings so you have steady cash flow and minimize taxes.
As life changes—like travelling, downsizing, or helping family—your plan can adjust with you. It can also prepare you for healthcare costs and can help you make your money last. With a solid financial plan, you can enjoy retirement and focus on what matters most to you.
Financial Planning for Canadians
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Financial planning is for anyone who wants to feel more confident about their goals, and a CFP professional or QAFP professional can make financial planning actionable and understandable.
According to the FP Canada™ 2025 Financial Stress Index, as many as 68% of Canadians aren’t taking control of their finances due to the high cost of living. More than half, 52%, fear making a bad financial decision that could lead to challenges, and 51% say they don’t have enough left after bills to save or invest.
That’s why working with a CFP professional or QAFP professional is important; to help you gain control. They have the experience and expertise to guide you and build a financial plan tailored to your precise needs. They can provide the advice and direction to get you on the right path towards achieving your goals and reducing your overall stress.
The FP Canada 2025 Financial Stress Index
Improving your financial literacy can help you take actions that will reduce your financial stress. By turning to a professional financial planner, you can take a critical first step toward becoming more financially literate.
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