Have You Been Doing Enough
To Have A Successful Retirement?
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Some Of The Most Common Questions I Get Asked:
Achieving True Financial Well-Being
At the heart of it, I recognize that your financial needs are interconnected. So my process goes deeper and broader than the approach most people have experienced with other financial advisors. It starts with a very open and honest discussion – the more genuine the conversation, the more impact you’ll get from me. I take the time to explore all the life goals, financial aspirations and concerns you have for yourself and for your family, and then follow up with a comprehensive analysis of your overall financial well-being.
Your well-being is determined by how effectively your plan addresses six major financial needs:
- Managing day-to-day
- Securing your future
- Preparing for surprises
- Planning for major expenses
- Giving back
- And if relevant, evolving your business
I take a personalized, holistic approach because every decision made in one of these areas may open opportunities or present challenges in another. Only when your financial needs are truly interconnected and synchronized, can you be sure you’re getting the most out of your money and achieving true financial well-being.
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Meet Tim Gendreau, CFP, RRC, Senior Financial Consultant
I’ve spent the last 25 years in the financial services industry, and have had the good fortune to be able to help my clientele to put a plan in place to achieve whatever financial goal was most important to them.
I started as a Financial Consultant in 1994 and then went on to take a position with head office as a Manager with Advanced Financial Planning. I then accepted a position as a Division Dir. in Vancouver from 2002 to 2013. I stepped out of that role in 2013 so that I could focus 100% of my energy on building a successful financial planning practice.
I hold both a CFP and RRC designation and have had the good fortune to speak many times on the benefits of comprehensive financial planning at various functions all over the country.
I’ve dedicated my life to solving the puzzle that is wealth accumulation for Canadians and I am just as passionate about it now as I was 25 years ago when I started.
Next to your family and health, your financial well-being is the
single most important part of your life.
This is an area that needs to get handled to ensure a secure retirement for you and your family. Life moves fast, and you’re busy, really busy. Where do you find the time to handle this massive task on your own?
To further complicate matters, we’re constantly being inundated and overwhelmed by the sheer amount of investment choices available. It seems like every day there are new investment choices or financial strategies being pitched to you. Which ones do you trust? Which ones are right for you and your family? Which ones are the most tax effective? So many questions…
Often this can lead to ‘paralysis by analysis.’
I get it, contemplating getting a 2nd opinion can be daunting. Many people would just prefer to avoid this option altogether because they may get a 2nd opinion they don’t want to hear. You might even have asked yourself in the past: ‘Is the planning I’ve been doing good enough?’
Unfortunately, what most people don’t understand is that just working harder, building a stronger business or climbing higher on the corporate ladder won’t make up for the inefficiencies of poor planning over the long run.
Did you know that a recent Ipsos-Reid study showed that Canadians who work with a Financial Consultant to build a comprehensive financial plan and then spend the time to continuously, tweak and monitor that plan have up to 4 times the net worth at retirement than those that don’t?
What you need is for someone to come alongside and guide you through the uncertainty. You need someone who will put together a comprehensive financial plan to make sure every cent you’ve worked so hard to build is being used in the most efficient and tax-effective way possible.
I’m passionate about the puzzle that is wealth accumulation, and I’m here to provide you with the clarity you need to make the right financial decision for both you and the people you care about.
Imagine the peace of mind that would come from knowing your finances are taken care of. Imagine working with somebody that has their finger on the pulse of every part of your financial life.
Your retirement isn’t something you can afford to get wrong. You don’t get a do-over on this.
Let’s get you to the retirement you’ve always dreamed of.
Let’s do it right.
As a long-term client of Tim Gendreau’s and Investors Group I can honestly say that the financial investment advice has been exemplary. I have been advised of many IG investment vehicles available to all clients, and have had the pros and cons explained to me in a fashion that makes me feel that I can trust his advice implicitly.
My long-term goals for financial freedom have been developed and I can rest easy knowing that my retirement strategy is sound. I have introduced him to many members of my family and I would recommend Tim and his team to any prospective client, and I will be more than happy to take the time to meet with them and explain the exceptional services and investment advice Tim provided to me and the clients I have referred to him and his team.
I think most people are a little nervous about questions like: What should I do with my savings? How do I calculate a comfortable retirement income? How do I get tax advantages from my home business? Should I buy TFSAs or RRSPs? These are the kinds of questions I had in 2010, when Tim introduced himself to me.
At that point, I had been reflexively saving and investing with no real plan, and no real idea of whether I was “winning.” I was asking the right questions, but my previous advisors had not really addressed my basic concern: Will I be eating cat food when I’m 70?
Tim invested hours of his own time in laying out my personal financial circumstances, and presented a timeline to me of my assets and liabilities, indexed for inflation, over the remainder of my life. I can live to be 100 now, and I should still be OK.
Over the past eight years I have learned that Tim provides intelligent advice, and then helps me to follow it. When something in the financial news catches my attention, I know I can ping Tim and get a quick response describing how it will impact me. And we still meet regularly to review my portfolio and adjust it for my changing circumstances.
I feel like I have more money now that I’m working with Tim… and I know that money is working hard for me.
Tim was recommended to us when we moved from Ottawa to the Lower Mainland and he has been managing our portfolio for the past three years. Tim can be counted on for his frankness and he has always had time for us when we’ve needed to run ideas past him. We trust him with our investments and savings and feel that our financial future is in good hands.
[My wife and I] have relied on the services of Tim and Investors Group for a number of years. As we approach retirement, his management of our portfolio has been outstanding. It has given us a great sense of comfort knowing that we can enjoy our retirement years without worrying about our financial situation. We would gladly recommend Tim to potential clients.
Book A Free Consultation; No Obligations.
I want to make sure you achieve the financials goals you’ve always dreamed of. Sign up below and get a free second opinion on how I can help you.
The 6 Pieces to a
Comprehensive Financial Plan
A holistic approach that synchronizes your entire financial life.
#1: Cash Flow & Debt Management
This is where we look at what your current cash flow and income streams are as well as any liabilities you may have. We then consider opportunities to adjust them to make them as efficient as possible. This analysis often allows us to free up cash flow that can be used in the pursuit of your goals.
#2: Children's Education
With your education funding goals in mind, we take a look at the various investment vehicles, RESP’s being among them, to create a plan of attack to give you the peace of mind that your education goals will be achieved.
#3: Retirement Planning
This is where my team of specialists (mortgage, securities and insurance) and I come together to work on creating a detailed yet flexible plan to help you achieve your retirement goals. There are many moving parts to design, implementing and monitoring a successful retirement plan and as your trusted advisor, I make sure that all of these parts run smoothly together.
#4: Income Protection
Many people don’t realize their single largest asset is their ability to earn income. Your newly created comprehensive financial plan is only as good as its ability to handle the curveballs that life throws at it like premature death, disability and critical illness. In this portion of the planning, we make sure that we stress test your plan against any interruptions to your income. We then make sure that you have the appropriate coverage’s in place to give you peace of mind.
#5: Estate Planning
There is likely not a more unique component to your tailor-made financial plan than the estate planning portion. Discussions around family makeup, business succession, wills, and charitable giving are necessary to make sure that your wishes will be carried in the way you want them carried out.
#6: Investments
In this area of your planning we’re going to be able to help you identify the best investment products that fit your financial goals. There are so many choices, each of them having pros and cons. Knowing precisely which types of investments work best for your family’s financial situation gives you a tremendous advantage when it comes to achieving success both in short-term and long-term investing.
Working Together To Achieve Success
I have many lifelong relationships with my clients. I’m prepared for the changes in your life, and believe in being proactive, not reactive. I work with you to develop a plan, creating scenarios to help you achieve success.
- Simplify your entire financial life
- Create peace of mind by reducing your financial concerns
- Guide you through critical financial events
- Deliver tax-efficient strategies across all aspects that improve your financial position
- Proactively adjust your plan as opportunities are identified
Book A Free Consultation; No Obligations.
I want to make sure you achieve the financials goals you’ve always dreamed of. Click below to get a free second opinion on how I can help you.
