For higher income earners who wish to contribute more to their pension savings than they can benefit from under the plans which are subject to annual caps, options can be limited. The insured retirement program is an effective way to bridge the retirement savings gap for such individuals in a cost-effective way.
About Alto, Chang and Associates Financial Management
This author has yet to write their bio.Meanwhile lets just say that we are proud Alto, Chang and Associates Financial Management contributed a whooping 31 entries.
Entries by Alto, Chang and Associates Financial Management
Business owners deal with a unique set of challenges. One of these challenges includes succession planning. A succession plan is the process of the transfer of ownership, management and interest of a business. When should a business owner have a succession plan? A succession plan is required through the survival, growth and maturity stage of a business. All business owners, partners and shareholders should have a plan in place during these business stages.
As our lives grow and change with variable circumstances, new additions, and job transitions, our needs for insurance will also evolve. Additionally, economic fluctuations and external circumstances that influence your insurance policy will need frequent re-evaluation to ensure that you are making the most appropriate and financially favorable decisions. Talk to us we can help.
Segregated Funds or Mutual Funds? What’s the difference?
An advisor can help you determine where you are today financially and where you want to go. An advisor can provide you guidance on how to reach your short, medium and long term financial goals.
One of the financial planning issues that business owners face is how to access their corporate earnings in a tax efficient way. Please contact us to learn how we can get more money in your pocket than in the government’s.
One of the age-old financial quandaries asked of financial advisors is “shall I invest in property or funds?”. Predictably, the answer is not at all straightforward and depends on many factors, including your own financial style, personality and circumstances. Let’s take a look at the pros and cons of each choice to help you to be better informed about which could be the most lucrative option for you
The 2019 budget is titled “Investing in the Middle Class. Here are the highlights from the 2019 Federal Budget.
Calculate your combined Provincial and Federal Tax in your Province
BC Finance Minister Carole James delivered the province’s 2019 budget update on February 19, 2019. The budget anticipates a surplus of $274 million for the current year, $287 million for 2020 and $585 million in 2021.
The biggest announcements are:
● BC Child Opportunity Benefit
● Interest Free Student Loans
- Insured Retirement ProgramOctober 2, 2019 - 11:36 am
- Succession Planning for Business OwnersSeptember 1, 2019 - 2:00 pm
- When and Why You Should Conduct an Insurance AuditAugust 1, 2019 - 1:00 pm
- The Difference between Segregated Funds and Mutual FundsJuly 1, 2019 - 1:00 pm
- Financial AdviceJune 4, 2019 - 6:42 pm
ACA Financial is an independent financial advisory firm founded on the principle of client-focused advice. Our approach, listening and understanding our clients' unique needs. The result, a clear and mutual understanding and the foundation for all planning considerations. We are committed to demonstrating value by delivering on each client's need for growth, safety, liquidity and cash flow.
LIFE AND HEALTH INSURANCE PRODUCTS ARE PROVIDED BY ACA FINANCIAL. LIFE AND HEALTH INSURANCE PRODUCTS AND SERVICES ARE NOT AVAILABLE THROUGH DESJARDINS FINANCIAL SECURITY INVESTMENTS INC. (DFS INVESTMENTS) NOR ARE THE INSURANCE PLANS OR SERVICES AVAILABLE AND/OR OFFERED SUPERVISED OR REVIEWED BY DFS INVESTMENTS. DFS INVESTMENTS IS THE MUTUAL FUND DEALER THROUGH WHICH MUTUAL FUND PRODUCTS AND SERVICES ARE PROVIDED.