As a Certified Financial Planner with Security Financial I am fully licensed to broker all areas of investment, lending and insurance products. As a CFP, I combine my skills and knowledge with the experience of the best professionals in the industry to create sound financial plans for my clients.
Financial Services include the following:
Retirement Planning
RRSPs, RRIFs, LIRAs, annuities, review of benefits such as CPP, OAS and GIS, and analysis of employer RRSPs, registered pension plans, deferred profit sharing plans, severance packages and retirement packages.
Tax Planning
Income splitting, leveraging, tax preferred investments, tax deferral and minimization strategies, as well as tax return preparation services through our referral arrangements.
Investment Planning
Asset allocation plans, mutual funds, portfolio funds, fee based asset programs GICs and TFSAs. Sound, strategic, personalized and totally non-bias advice, on all of your invested assets.
Debt Management
Becoming debt free is one of the foundations of any financial plan. We have proven strategies to help you retire your debt sooner and get back on track financially.
Estate Planning
Consulting on structuring of estate plan, Wills, Powers of Attorney, duties of executor, offsetting income taxes and probate fees upon death. Family estate planning workshops can be booked HERE
Education Planning
Registered Education Savings Plans (RESP) and informal trusts. An RESP is a government sponsored plan that can help you and your family save for your child’s education.
Insurance Planning
Term, whole-life, universal life, disability, critical illness, long term care insurance, all can be very confusing, let us help you determine what best suits your needs. Insurance sales are not conducted through Security Financial nor are they the business of Security Financial. Insurance sales are conducted through Qualified Financial Services (QFS), a Managing General Agency.
Elder Planning Counselor (EPC)
As an EPC I advise families on the financial needs of the elderly. Investments, tax and estate planning goals change as you age, contact us to get the proper advice.
Certified Divorce Financial Analyst (CDFA)
Advice on how the assets are going to be split, what the tax implications are, and other financial considerations when splitting up with your partner.
Mortgages
Fixed or Variable mortgages, loans, lines of credit, all-in-one accounts can be arranged through our strategic alliances. Getting into the wrong lending product can cost you thousands of dollars in interest, having the proper advice on which options best suits your needs is extremely important. Financing products are not conducted through Security Financial nor are they the business of Security Financial. ‘While I am no longer a licensed mortgage agent for the purpose of offering mortgage products to clients, as a Certified Financial Planner (CFP) I am able to provide mortgage planning services and offer suggestions on any mortgage related inquiries.’
Cash Management:
Through our strategic alliances we can provide a wide range of guaranteed deposits, high interest savings accounts and Guaranteed Investment Certificates for you to choose from based on your goals and objectives.
Registered Disability Savings Plans (RDSP):
A RDSP is a registered savings plan, similar to an RRSP; but it is intended to help parents and others to save for the long-term financial security of persons with severe or prolonged disabilities. In order to qualify for government grants the person who is disabled must be eligible for the Disability Tax Credit, and be 49 years or younger.
Fee For Service Planning
As a Certified Financial Planner, Certified Divorce Financial Analyst, Elder Planning Counsellor and Certified Cash Flow Specialist, Tracey may provide expert advice to clients that do not have or intend to have investments held through Security Financial Services or Qualified Financial Services. Tracey may charge an hourly rate to people who come to her solely for financial advice in these areas.
Products or services related to investments, investment recommendations, financial planning, retirement planning, and investment reviews are provided through our mutual fund dealer Security Financial Services and Investment Corp.
4665 Yonge Street, Suite 309, Toronto, ON M2N 0B4 t 416.964.0440