Expertise  

Financial planning is a generic term that includes several aspects in the field of personal finances for which their integration provides customized solutions tailored for the needs of our clients.

The most frequently addressed aspects of financial planning are the following :

Finance

Finance

  • Personal balance sheet;
  • Evolution of net worth;
  • Liability management;
  • Debt ratio.
 
Taxation

Taxation

  • Taxation principles
  • Deferred income tax;
  • Deductible expenses and tax credits;
  • Income splitting;
  • Preparation of tax return.
 
Estate

Estate

  • Transmission of the assets of an estate;
  • Beneficiary designation;
  • Last will;
  • Role of the liquidator;
  • Basic principles of a trust;
  • Taxes at death.
 
Investments

Investments

  • Risk & return;
  • Diversification;
  • Optimized portfolio management;
  • Investments and taxes;
  • Creditor proof investments.
 
Retirement

Retirement

  • Projection & the planning of retirement income;
  • Pension plans : RRSP, RRIF, RPP DC, RPP DB, DPSP, TFSA & others;
  • Asset base needed for retirement.
 
Risk Management

Risk Management

  • General principles;
  • Death benefit & life insurance needs evaluation;
  • Living benefit & disability insurance needs evaluation;
  • Insurance & taxes;
  • Beneficairy designation.
 

Financial planning is a dynamic process. Once the initial financial plan has been set up, periodical appointments are set up to ensure that your plan is aligned with your ever-changing financial situation.

Gestion J-F Clément  

Jean-François Clément, Pl. Fin

Financial Planner with Gestion JF Clement

Financial security advisor with Gestion JF Clement
Mutual funds representative with Investia Financial services inc.
Conseiller en fonds d’investissement, inscrit auprès d’Investia services financiers inc.

As financial Planner since 1995, Jean-Francois has established over the years a strong relationship with over 250 clients. His understanding of the key elements for asset growth as well as estate value optimization have positioned him as reliable and competent resource to his clients.

Partners  

Some of JF Clement's our business partners include :

Fidelity Investments, CI Investments, Dynamic Funds, Mackenzie Investments, BMO, RBC Global Asset Management