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*
Self Employed or Approaching Retirement or Retired
Money: Now, Future, Just in case.

"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

What do you want?

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.

Principle Guaranteed

If you are:
Self-employed or Approaching retirement or Already retired
Guaranteed Interest
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

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.

Money needed? When? Now?Future?Just in case? 

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 

Where to find/save Money?

  • Cash Flow
  • Interest rates (Borrow & Investment)
  • Risk management
  • Taxes
  • ?
  • Integration

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.


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


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

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

Finding the Money - Integration

In this 1 m 15 s video "Thomas" explains how 2+2 can be greater than 4 when you align your objectives.
Financial, Retirement & Estate Planning
“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 questions should you ask when choosing a financial planner?”

The initial discussion is complimentary and you are under no obligation. See DISCLOSURE for details.

Open minded? Is the "looking for the money" approach to financial planning right for you?

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(s). Do not include sensitive information such as income or social insurance number.

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