If you’re like most people, your financial planning energy is focused on your day-to-day finances. A solid financial plan will let you balance these priorities with your goals for the future. Financial planning is more than just saving for retirement, it’s protecting what’s important to you now, a vision of what you want to work towards in the future and a roadmap of how to get there.

Our process will develop a tailored plan that can help you:

  • Manage your debt repayment
  • Protect yourself and your loved ones
  • Plan for retirement
  • Save to meet your short- and long-term goals
  • Minimize your taxes
  • Maximize your estate
  • Leave a Legacy for your family

Retirement Planning

You’ve saved all your life, and now it’s finally time to take your nest egg and start drawing an income.  It is an intricate process as you go from one source of income (your employment income) to six, seven, or more.  It can be stressful finding the best way to deconstruct your savings while maximizing government benefits and minimizing taxes.  On top of that, there have been significant changes to the CPP, record-high levels of government debt, interest rates at historic lows, the stock market is expensive and volatile, and defined benefit pension plans nowhere to be seen.  We get it.  It can be scary.

Let us show you the strategies we use to ensure our clients can retire safely and with confidence.

Our Process

Chances are you’re quite passionate about what you do.  Well, so are we!  ClearPeak’s 4 step process will provide clarity around your money, allowing you to focus on what you do best.

Step 1:  Discovery Stage (1-2 hours) – The goal of the initial meeting to is understand you, your values, your current financial position, and your goals for the future.

Step 2: Plan Development (2-4 weeks) – Using your unique values and goals, we create your financial plan which addresses death, retirement, income protection, and liquidity (cash flow). We assess your needs and recommend solutions regarding retirement, insurance protection, major purchases, and education.

Step 3: Plan Implementation (1-12 weeks) – Your plan is presented to you in detail, we ensure you understand your plan and how to implement our strategies.  This framework will allow you to make smart, intentional financial decisions that will guide you for your lifetime.

Step 4: Monitor Progress (Ongoing) – We will meet on a regular basis to help keep you on track and ensure the plan adapts to meet your ever-evolving needs.

Fees

ClearPeak offers a fee-for-service financial planning model, which eliminates the need to sell products.  While we do offer insurance and investment solutions, clients are not obligated to purchase any products from us.  Throughout the process, if our clients choose to purchase products – the planning fee will be reduced by the sum of any commissions received.