Welcome to Snowden Financial!
As a Certified Financial Planner (CFP) and Registered Retirement Consultant (RRC), our practice brings considerable experience and well-rounded expertise while putting our clients first.
We believe in the importance of keeping investment costs low, diversification and providing un-biased investment recommendations.
Our approach takes a long-term view to integrate investment management with tax savings and estate planning considerations.
What We Do
Financial Planning consists of six fundamental components -
Investment Management, Insurance Planning, Cash Flow Management, Income Tax Planning, Retirement Planning and Estate Planning.
We work diligently with our clients to fully understand their personal and financial situation in order to integrate each of these components into a customized financial plan.
Cash Flow Management
Managing cash flow effectively is essential to any financial plan - whether you are seeking to actively grow your wealth through regular savings or trying to manage your retirement income stream in a tax efficient manner.
We use a monthly cash flow spreadsheet as a basis for both our recommendations to improve your current situation as well as projecting future retirement income needs.
Retirement Planning
We work with you to identify your retirement cash flow needs to both meet your daily income requirements and achieve your retirement dreams.
Our financial planning software provides a detailed retirement projection - incorporating CPP, OAS, pensions, savings and inheritance into one cohesive plan that adapts to the changes in your life.
Income Tax Planning
From personal to business tax strategies, we will review your current situation and make strategic recommendations to effectively minimize your annual income taxes and build a tax efficient investment portfolio.
Insurance Planning
We strive to find an appropriate balance between protecting your family's income, health and retirement savings with the most suitable insurance products and keeping the coverage affordable.
As an independent practice, we have access to a wide range of insurance providers, offering life, critical illness, disability and long term care insurance, as well as personal and group benefits.
Estate Planning
Estate planning deals with the transfer of wealth to the next generation. You have worked hard to build your nest egg and we want to help minimize taxation and estate shrinkage. Using effective estate planning strategies, we can ensure your funds are distributed as you intended and make the process as easy as possible.
Investment Management
Our investment management strategy focuses on what we can control:
- Creating an investment plan to fit your needs and risk tolerance
- Structuring a portfolio along the dimensions of expected returns
- Diversifying globally
- Managing expenses, turnover and taxes
- Staying disciplined through market dips and swings
*Investment management services are provided through Aligned Capital Partners Inc.
Next Steps...
We've been helping Canadian families build wealth and plan for their futures for over 14 years. Curious about how we can help you?