HOLISTIC FINANCIAL PLANNINGGet where you want to be, with help from a holistic approach to financial planning. 10 reasons that make sense.

Sue Buyna

Consultant

Investors Group

DISCLAIMERS

Investors Group is a registered trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Great-West Life Assurance Company.

This is a general source of information only. It is not intended to provide personalized tax, legal or investment advice, and is not intended as a solicitation to purchase securities. Sue Buyna is solely responsible for its content. For more information on this topic or any other financial matter, please contact Sue Buyna.

INCOMEIt’s possible to manage income more effectively through planning. Managing income helps you understand how much money you’ll need for tax payments, other monthly expenditures and savings.

CASH FLOWAn increase in cash flow, by carefully monitoring spending patterns and expenses. Tax planning, prudent spending and careful budgeting will help you keep more of your hard earned cash. Canadian’s spend more money on taxes than on any other expenditure.

CAPITALAn increase in cash flow, can lead to an increase in capital. Allowing you to consider investments to improve your over all financial well-being and to help reach other goals. Down payments on a new home, education goals, travel, retirement and so much more.

FAMILY SECURITY

Providing for your family’s financial security is an important part of the financial planning process. Having the proper insurance coverage and policies in place can provide peace of mind for you and your loved ones.

INVESTMENTS

A proper financial plan considers your personal circumstances, objectives and risk tolerance. It acts as a guide in helping choose the right types of investments to fit your needs, personality, and goals

STANDARD OF LIVING

The savings created from good planning can prove beneficial in difficult times. For example, you can make sure there is enough insurance coverage to replace any lost income should a family bread winner become unable to work.

FINANCIAL UNDERSTANDINGBetter financial understanding can be achieved when measurable financial goals are set, the effects of decisions understood, and results reviewed. Giving you a whole new approach to your budget and improving control over your financial lifestyle.

ASSETSA nice “cushion” in the form of assets is desirable. However many assets come with liabilities attached. It becomes important to determine the real value of an asset. The knowledge of settling or cancelling the liabilities comes with the understanding of your finances. The overall process helps build assets that don’t become a burden in the future. The knowledge of knowing your biggest asset is

“YOU”

SAVINGS

It used to be called saving for a rainy day. Sudden financial changes can still throw you off track. It is good to have some investments with high liquidity, for those just in case situations. These investments can be utilized in times of emergency.

ADVICEEstablishing a relationship with a holistic financial advisor you have faith in is critical to achieving your goals. A consultant with a holistic approach to finance will meet with you to assess your current financial circumstances and develop a comprehensive plan customized for you. A great advisor will start the plan with you, creating your goals and dreams, and will be there with you every step of the way .

FIRST STEPSThe first step is in your hands. Contact an advisor. Set up an appointment. Review your current financial

situation. Create your dreams and goals Create a plan to reach those

dreams and goals. Put that plan in action. Sit back and watch your dreams

come true. It all starts with you reaching out.

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YOUR NEVER TOO OLD TO SET ANOTHER GOAL OR TO DREAM A NEW DREAM.

C.S. LEWIS SUE BUYNAConsultant

Investors Group

2345 Yonge Street Suite 601

Toronto, ON M

416-483-7667 ext. 567

sue.buyna@investorsgroup.com