A Financial Advisor can help you:

• assess your current financial situation.
• create a realistic plan to meet your financial goals.
• understand how to meet your financial and retirement goals.
• put your financial plan into action and monitor your progress.
• update your financial plan to grow with your changing needs and goals.

If you have any of these questions or concerns, you will benefit from a consultation with a Financial Advisor:

• Confusion about conflicting financial advice and options.
• Paying too much income tax.
• Not saving enough for retirement.
• Not sure where to invest money.
• Changes in life that affect your financial future, such as a career change, marriage, retirement, loss of a spouse, birth of a child, etc.
• Not enough time to attend to personal financial affairs.

Financial Advisors are licensed professionals with a broad background in finance. They can guide you through some important life decisions. They can help you manage the risk involved in making decisions that can paralyze some of us, such as:

• What kind of retirement plan do I need?
• Am I paying too much in taxes?
• How can I save money for retirement – tax free?
• How much life insurance do I need?
• How can I make sure my estate is left to family members, and does not depleted by probate court and government taxes?
• Can we afford college tuition for our children – and how do we save for this, knowing how much tuitions are spiraling?

Would you benefit from having professional advice when it comes to planning your financial future? A Financial Advisor is a partner that can help you understand your options and help you build and protect your assets.

A Financial Advisor can also help you evaluate different life insurance plans and help you determine which policy or product is best going to serve your own unique needs and budget.

To assess your financial position and learn about some of the ways in which we can assist you, call us to schedule an appointment. Evening hours are available, and we can meet in your home or our office.

Question or concern about how a financial advisor can help?

Call: (403) 443-2110

Todd Darling, CFP, of Darling Financial Group serves the greater Three Hills, Alberta area.

How well are managing your personal finances? Do you find, like many people, that you just don’t spend enough time managing your money?

You may not achieve every financial goal or dream, but planning early can help you achieve some of them. People who have achieved financial freedom have identified their goals clearly and starting saving at an early age. While it’s never to late to start, the sooner you start saving the more time your money has to grow.

Financial Advisor can help you create a plan for managing your financial future, including:

Home – mortgage
Auto and large purchases – lease vs purchase
College savings plans
Credit – when should I use credit
Taxation
Insurance
Retirement Plans
A Financial Advisor can help you answer these questions:

Home / Mortgage / Auto

How much house can I afford?
Should I refinance my home mortgage?
Should I buy or rent a home?
Should I have a fixed-rate or adjustable-rate mortgage?
Should I buy my car or lease it?
Cash Flow

What is my net worth?
What is my project net worth?
What is my current cash flow?
How much am I spending?
Should I pay off my debt, or save more?
Credit

How long will it take to pay off my loan / credit cards?
Should I pay off my debt or invest the money?
Should I consolidate my personal debts?
What is the balance owed on my debt / loan?
How can I restructure my debts for fast payoff?
Insurance

How much life insurance do I need?
Do I need long-term care insurance?
What are the tax advantages of life insurance?
What are my chances of becoming disabled – and should I have disability insurance?
How can life insurance protect my assets?
College Savings
Even modest savings can provide a good start for college fees, if you start saving early. Investing just $100 a month for 18 years will yield $48,000 (assuming an 8 percent average annual return).

How much do I need to save for college tuitions?
What investment options are available for college savings?