Planning For Results Program
Managing your finances can seem overwhelming, especially if you feel like you should have everything figured out by now.
With Planning for Results® (P4R), you gain confidence as you work through a customized, self-paced program that guides you in making decisions and implementing action items.
Make the investment in yourself, and sort out your financial game plan.
Schedule a 15 minute call with Dawn to get more information about Planning For Results:
Meet your Advisor
DAWN VADER, CFP
Red Seal Financial Advisor
After a career with BMO Bank of Montreal in Commercial roles & Private banking, Dawn founded Red Seal Financial Ltd. in 2013. As a coach and advisor, she’s used her substantial experience to work with both personal and business clients, often helping them bridge the gap between their business and personal finances.
As a coach and advisor, she has worked with many individual and business clients, helping them build wholistic financial plans that they can move forward with confidently.
Dawn is great at helping break down complex ideas into simple, easily understood concepts. She took the time to understand our situation and made recommendations that we were comfortable with, giving us time to digest the recommendations and make decisions in our own time.
- Angela McPhee
Design and implement a comprehensive financial plan with a seasoned professional.
We’ve worked with hundreds of clients in your shoes, and helped them take significant steps towards financial security (and sanity).
In six months, we’ll cover and complete:
Will & Estate Plan
We use a five-step process to work through a complete list of elements that you may need within your will or estate plan.
Insurance Optimization
We will walk you through the complete landscape of insurance options, and build a plan that aligns your insurance needs to each stage of your life —through your career and into retirement.
Tax Strategy
We review your employment or business income, and apply strategies to identify opportunities that help you save or defer taxes to your maximum benefit.
Investing Strategy
We will offer advice and support for an investing portfolio that matches your values, interests and your desired level of engagement.
Lifestyle Budgeting
We will help you build a wholistic budgeting strategy that addresses your month-to-month game plan as well as larger purchases or goals.
Retirement Plan
We’ll work with you to map out your income earning years plan for and anticipate a retirement that realistically can support your desired lifestyle.
If your life has more complexity, we can tackle additional components such as:
Business or HoldCo planning
If you’re a founder, and business owner or a high income earner, we’ll help you integrate your business or incorporated vehicle to integrate your personal and business strategies.
Wealth Transition
From farms to large estates, we can work with you and your family members to build a successful plan for transitioning wealth to the next generation.
Blended Family
We can help advise on plans and tactics to help you navigate personal finances within family situations with added complexity.
Divorce Planning
If you are in the midst of a separation or are working to re-establish your finances after a divorce, we can help.
TIMEFRAME
P4R® is at minimum six months long, with meetings scheduled every two weeks.
The exact timeframe will depend on the modules in your plan and your ability to work through the material.
INVESTMENT
The program is specifically designed to help you a) determine the financial plan that best suits your needs, and b) implement that plan as you make progress through the program.
To ensure you’re getting unbiased advice and product recommendations, the program is a flat monthly fee. The fee is based on your unique situation, and the range of modules you require to design your specific plan.
APPROACH
Our approach is “wholistic plan first, optimal products second”. Our aim is to first educate you on what a complete financial plan looks like, and then help select and build the financial plan that meets your goals.
There are lots of financial tools out there, but a product — even a good one — used outside of a wholistic plan may detract from your personal financial goals. We work with, or have used, almost every product available in the Canadian financial landscape. We can help you understand the benefits (or drawbacks) of different products, why you might want to use one over the other, and how that will impact your plan overall.
REQUIREMENTS
There is a lot of material to cover in six months, and sticking to the timeline requires your ability to invest both financially and with your time to complete the material. We’ll do our best on our end to help you be efficient and stay on track, but you’ll need to be prepared to work through the program content in a timely fashion.
If you do require further time to work through the content at a slower pace, or if you have additional complexity to work through, we can arrange a timeline that meets your needs and availability.
COMMITMENT
You’ll commit to:
Meeting 2x per month for an hour on average
Filling out information or making the decisions in a timely fashion
Giving Red Seal authority to enact decisions on your behalf if/when required
We commit to:
Providing you unbiased information to make the decision that is right for you
Ensuring you completely understand the options you have available to you
Coordinating with any services or institutions you work with, and promptly implementing your decisions.