Insurance, Investments, Mortgages, Money: Now, Future, Just in case. Halifax, Nova Scotia, Canada

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J. Paul Wilson, CFP®, ChFC®
 Halifax, Nova Scotia , Canada        
 (902) 405-8665   
Insurance, Investments, Mortgages*
Focus on Self Employed
Money: Now, Future, Just in case.

Pieces of a puzzle - no picture, just the pieces.

Which do you choose to see?

1. No picture = procrastination and frustration

2. No picture = paint your own = control, excitement and satisfaction
For over 30 years, I have had the privilege, yes, the privilege, of helping business owners clarify objectives and assemble puzzles. Now retired from management, I am selectively adding to my client base. My primary focus, however, is assisting, my son, Blake.

"Paul is an experienced business guy who has a talent for simplifying complex situations and providing practical guidance on both the career and personal financial planning sides. He also has a good heart and is a natural optimist, two important qualities in my view. Because he has such broad experience and is a creative thinker, he tends to add value to any conversation he contributes to." - David Holt, Context Consulting

“If it is to be, it is up to me.”
— William H. Johnsen

In today’s financial world few can go through the maze without help and advice.
"You have to do it by yourself and you cannot do it alone."
- Martin Rutte

What do you want?


FINANCIAL SECURITY
Protect and Grow Your Nest Egg

Sample Strategies
How to: increase tax efficiency, guarantee income, address volatility, increase after tax income,"lock in" gains, leave a legacy, ensure privacy, provide potential creditor protection
and more

Investment Funds
Capital Guarantees Available

Guaranteed Investment Funds (GIFs), also called Segregated Fund Policies, are long-term investments that offer capital guarantees.
Self-employed or approaching retirement or already retired - GIFs have several features and benefits worth considering.


Interest
Principle Guaranteed

If you are:
Self-employed or Approaching retirement or Already retired
Guaranteed Interest
GIC or GIA
Which do you choose?

Successful Retirement

What is a Succesful Retirement?
Retirement Checklist with available Pdf download, Sources of Retirement Income, How to Check Your CPP Balance and more

LEGACY
Wealth has to pass through a "funnel" at death.

The Wealth Funnel Guide is available for download and includes a fillable worksheet that calculates shrinkage.

Independent Financial Brokers of Canada

Most financial products / services generate a fee / commission and may provide a renewal (or service) fee / commission.

We are not obligated to do business with any particular company permanent life insurance,income annuities,Executor Liability Insurance,GIFs,guaranteed investment funds,GICs,guaranteed issue life insurance,universal life insurance,employee benefits,business sale referral,term life insurance,whole life insurance,business insurance,long term care insurance,simplified issue life insurance,disability insurance,critical illness insurance,RRSPs,pension plans,retirement income plans,custom designed risk management,income annuities,executive benefit plans,commercial insurance,health insurance,mortgage referrals,joint annuities,executive benefits 

Excerpt from the Nov/Dec 2016 issue of FORUM

"if the choice of homeowners is to stay put, then options might include a collateral mortgage to let retirees pull out the tax-free funds from their homes to use for emergencies, or a reverse mortgage to provide an income stream, says Wilson. If they decide to downsize, they can use the proceeds to purchase a prescribed annuity to fund new accommodations, with the balance invested for emergencies.

What exactly is recommended depends on individual circumstances and needs to be considered as part of the overall financial plan. And since there is often little time for recovery, worst-case scenarios need to be considered and understood, he says."

"Using a residence as a valuable piece of a financial plan"
Cover story in FORUM magazine the flagship publication for Advocis, The Financial Advisors Association of Canada. Nov/Dec 2016



Cash flow analysis, mortgages and financing are referred to my son, Blake Wilson, at The Mortgage Group. Blake has access to over 50 banks, lenders and private capital sources to meet your unique financial needs. With one credit check, he can shop multiple banks for personal and commercial mortgages, leasing, merchant capital and commercial loans. This saves you time and money while not impacting your credit score from checks if you were to shop yourself.
Note: The range of products/solutions is of special interest if you have self-employed income.

It has been my experience, that when borrowing money, the business owner and/or their accountant approaches one lender and, on occasion, “shops” the market themselves looking for the best deal. Since self-employed borrowers often face restrictions and additional challenges that not only causes frustration, it can jeopardize or restrict plans.

Blake honed his problem-solving skills, providing complex risk management solutions. I referred some self-employed clients to him to see if he could help.

I have helped business owners, in the hundreds, in a wide range of scenarios, both as a resource to financial planners/advisors and directly. Many, if not most, would have been in a better position,  if they had utilized Blake’s process and resources.

It proved to be a pivot point.  Business owners and their accountants need to be made aware. I will continue to selectively add to my client base. My primary focus, however, will be to assist Blake.


Examples

Taking the time to understand your objectives pays dividends.

"Blake is a great example of what it means to be a professional. He realizes that he may not have all the answers for you right away (although he has most), but has the high standards to turn to someone inside his firm for expert advice when required.
Andrew Blazenko, CFA, CBV
Associate at Sequoia Mergers & Acquisitions

Personal

Home purchase, construction or renovation mortgages
Investment properties
Equity take-out or consolidation, including to pay property tax and CRA
Home Equity Line of Credit Solutions, including Manulife One
Business

Purchasing a Business
Equipment Financing and Leasing
Commercial Mortgage Solutions
Merchant Capital Solutions
Re-structuring and Capital Raising
Equity take-out or consolidation to pay property taxes, CRA, or shareholder loans


NOTE:



Paul is a Certified Financial Planner (CFP) licensed by the Financial Planners Standards Council.

The information contained in this website is intended to provide general guidelines only. The application and impact of the law can vary widely from case to case based on the specific or unique facts involved. Accordingly, the information in articles are not intended to serve as legal, accounting or tax advice. Users are encouraged to consult with their professional advisers for advice concerning specific matters before making a decision.

** Email Disclosure: For your convenience, you have the option of contacting by email. Please note that no email is 100% secure. Only provide us with your contact information and your question. Do not include sensitive information such as income, social insurance number.


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J. Paul Wilson, CFP®, ChFC®
Certified Financial Planner
27 Blue Thistle Road Halifax, Nova Scotia, B3S 1M3
 Office (902) 405-8665 Email  paul@jpw.ca
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