Brenden Benoit

The effectiveness of your financial plan depends on how much you share with me.

1. I will want to get to know you, understand your goals, and your financial position.
2. Knowing your assets, debts, and expenses would help make your first meeting productive.

1. Creating budgets for your big purchases.
2. Helping you grow your wealth by investing in products that suit your needs and risk tolerance.
3. Minimizing your taxes with tax planning.
4. Planning for your retirement by taking advantage of various savings and investment accounts.
5. Setting up your legacy by creating an estate plan.

Step 1: Define your financial goals and when you want to achieve them.

Step 2: Gauge your financial position by knowing your income, expenses, and debts.

Step 3: Explore investment opportunities that align with your risk tolerance and the length of time you plan to hold the investment.

Step 4: Create a financial plan with timelines to achieve your goals.

Step 5: Review and adjust your plan as your goals evolve.

We can offer strategies to help you become retirement-ready by discussing questions like:

1.  How much income is needed for the retirement you aspire to?
2. How can you save enough to fund your retirement?
3. How can you reduce taxes during retirement?
4. When should you start taking your government benefits?

TD Wealth Specialists work with your family and, when required, tax and legal advisors, to answer questions about:
• Wills, trusts, and estates
• Executor and trustee services
• Strategies to balance your priorities and charitable goals