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The MoneySense Find a Qualified Advisor Tool is a helpful resource for individuals in Canada who are seeking financial advisors. Created in partnership with the Financial Planning Association of Canada, the tool provides a directory of advisors who are active members of FPAC and have recognized financial planning designations. Users can search for advisors based on their qualifications, location, services, specializations, and payment models. The tool includes advisors from different regions in Canada who offer various financial planning services and charge for their services in different ways. It emphasizes the importance of conducting research and verifying credentials when selecting an advisor, and also mentions the increasing prevalence of virtual meetings and the ability to connect with advisors from different locations. [Extracted from the article]

David Miller is a certified financial planner who specializes in helping successful Canadian individuals and families with their investment and financial planning needs. He is registered in multiple provinces in Canada and is also a U.S. registered investment advisor. Miller's goal is to protect his clients' assets and provide objective advice based on their personal situations. He works with families, business owners, and retirees on both sides of the border and is part of a wealth management team at Cardinal Point Wealth Management. Miller offers services such as financial planning, investment planning, and cross-border planning. He is fluent in English and can be contacted in Calgary, Alberta. [Extracted from the article]

James P. Gunn is a financial advisor with over 25 years of experience. He is the president of Halton Wealth Management, an independent wealth management firm in Burlington, Ontario. Gunn focuses on providing personalized financial planning services to serious investors, ensuring that each client's specific needs are met. He specializes in retirement income planning and takes pride in helping his clients achieve their financial goals and grow their wealth. Gunn holds multiple certifications and believes in continuous education to better serve his clients. His payment model is based on fees paid by clients, and he primarily works with English-speaking individuals. [Extracted from the article]

The article highlights the concept of finding success and happiness in retirement through financial planning. It mentions the importance of financial planning advice from professionals to demonstrate strong personal discipline in executing the plan; and also highlights the easiest way to start the nonfinancial planning process.

The article focuses on maximizing retirement benifits through proper retirement planning. Topics discussed include selection of financial adviser for maximizing the same; services offered by robo advicers, brokers, and registered investment advicers; and fees charged by financial planners in return of their investments.

The article offers advice for financial planning to help individuals reach their personal financial goals into retirement. Topics include regularly reviewing an investment portfolio especially following major life events, spreading out assets among investments and diversifying within asset classes, early investment in a 401(k) account, and making a budget that includes an emergency fund. It also discusses various options for getting assistance in making financial decisions and mentions potential charges by financial advisers that one may anticipate. INSETS: How to Get Started;When to Call In a Pro;Where to Get Help.

The article deals with the strategies that can be used by financial advisers looking for new clients. Topics discussed include the need for advisers to create a freemium, an electronic-book (e-book) or video on the best ways clients can maximize charitable activities, the recommendation by Megan Carpenter of FiComm Partners for advisers to define their target audience and then craft a message that talks to them directly, and the use of smart web.

The article presents suggestions for financial planners to advise investors on timeshares. Topics discussed include the need for advisors to be ready with informed observations about the long-term costs and possible impact on retirement spending, explaining the advantages and disadvantages of timeshares to the clients, and reasons for buying timeshares.

The article discusses how financial advisors can determine the withdrawal rate a client should use in retirement and provides some principles and mathematical measures to use as a guide in accumulating and dispersing retirement funds. Topics addressed include retirement account multiple as the first key principle in the mathematics of retirement portfolios, and relationship between a lower withdrawal rate and enhanced retirement portfolio survival.

Prepare your clients for the next phase of their life. [ABSTRACT FROM AUTHOR]

The article looks at the challenge of financial planners in planning their own finances. Topics discussed include Capitol Resources and Insurance financial planner Richard Kagawa appointed his own financial planners Michael J. Smith and Elizabeth Jetton to consult them on retirement savings for him and his wife, the impact of financial planners appointing other planners towards their own credibility and client confidence, and bartering of planning services.

The article focuses on the role of Certified Financial Planner professional in planning and navigating the complicated subjects of investment management, retirement planning, estate planning, risk management in insurance, and tax planning strategies. It mentions that those who are technically savvy often still make mental errors when it comes to personal finances.

The article discusses how low volatility in the stock market has helped curb gains in client risk tolerance according to financial advisors in the U.S. It mentions that the index component tracking fees charged for retirement service has continued to buoy the broad picture for wealth managers. It also mentions that risk tolerance component tracks asset allocation, investment product selection and sales, client risk tolerance and tax liability, new retirement plan enrollees and planning fees.

The article discusses how one can get ready for retirement in India. It is said that preparing for retirement means taking stock of what it might cost to fund those sunset years. Experts say that expenses after retirement are usually about 80 per cent of what one spends during the work years, while one must be realistic while estimating returns.

The article offers a guide for financial planners to helping clients avoid taxes and penalties when they are compelled to make an early withdrawal from their retirement account. Topics covered include need for the advisor to roll over 401(k) funds to an individual retirement account (IRA), way of qualifying for the 10% penalty exception and cases illustrating errors made by first-time homebuyers and people in higher education when taking early withdrawal.

The article discusses how financial advisors should approach long-term care (LTC) planning with clients. Topics discussed include the importance for advisors to discuss the issue of LTC planning to clients, some ways advisors introduce the issue of LTC planning with clients and some strategies recommended by Diversified Trust advisor Kim Garcia to clients are hybrid LTC insurance plans and reverse mortgages for high-net-worth clients.

The article discusses the risks and rewards of long-term investing with health savings accounts (HSA). Topics discussed include factors contributing to the benefits of using HSA for long-term investing, projected increase of investments of HSA assets, the importance for financial advisors to ensure that their clients understand the range of their investment options and results of a Fidelity study that boosted the case for using HSA accounts as a vehicle for retirement savings.

The article urges financial advisors to coach and advise their clients also about their health care options. Topics discussed include health concerns as among the top worries of Americans approaching retirement, concierge medical care or direct-pay care (DPC) as a viable solution and providing a referral to a concierge or DPC practice.

The author offers advice to financial advisors on explaining the long-term care (LTC) option to their clients. Topics discussed include the refusal of clients to deal with the issue of death and illness, trends in the market for LTC, annual premiums for a typical LTC policy for a 60-year-old couple and reasons why financial advisors need to talk with their clients about LTC and about what extended LTC could mean for their estate and the surviving spouse.

The article discusses about financial planning and features JNBA Financial Advisors and the advantages of hiring its financial advisors. It explains the key financial areas that JNBA addresses which include retirement and goal-oriented planning, investment management, insurance management, and estate and legacy planning.

The article offers an update on the Retirement Advisor Confidence Index of "Financial Planning" magazine for June 2015. Advisor sentiment in the U.S. dropped during the month as the equity market faced fear and retirement planning activity saw a seasonal slowdown. The index declined by two points to 52.0 this month. Advisors reported that their clients' risk appetite declined, and some noted that their clients were starting to shift their interests toward investing in international markets.

The article explores the move of Australians in turning to independent financial planners with no ties to big financial groups, like insurers and banks. The move is deemed to stem from scandals with major banks that have links with financial planners, poor quality of retirement advice, and the failure of such planners in putting the needs of their clients. The appearance of an association of boutique financial planners that represents non-aligned financial service licensees is also mentioned.

The article reports that the optimism of clients of retirement advisers about the U.S. economy since the 2016 Election has turned to concern about the future because of falling fees for retirement planning. Topics covered include the Financial Planning Retirement Adviser Confidence Index dropping by 0.6 points to 56 and clients' perceived risk-tolerance level slumping by 7.7 points to hin February 2017.

Those who signed up in the past year will get a smaller pension than they would under the old system, but they can expect additional benefits from the tax-advantaged Thrift Savings Plan. [ABSTRACT FROM AUTHOR]

The article offers options for people who are retiring or changing jobs regarding their existing retirement plan in the U.S. Topics discussed include leaving the money in the current plan, rolling the money into a Rollover or Traditional Individual Retirement Account (IRA). It is also advised to discuss these options with a certified financial planner.

The article discusses how Generation X or GenXers are being neglected by financial advisors despite them nearing retirement, according to Weber Shandwich public relations (PR) firm. Topics include a description of the Leveraging The Gen X Retirement Market report, long-term financial balance and healthcare needs being the main concerns of GenXers, and how financial advisors can reach out to them. Also mentioned are public relations executive Brooke Worden and Interpublic Group.

The article discusses a survey from the Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF) which revealed that Millennials in the U.S. ask advice from their parents and friends before making a financial decision. Topics discussed include the tendency of Millennials to make changes when speaking with professional advisers, retirement planning of Millennials, and financial challenges experienced by the generation including higher debt and hard job market.

The article discusses findings of a survey conducted by wealth management services company Merrill Lynch Wealth Management, which reveals the positive impacts of financial firms in maintaining the relationship with its clients. The survey explores the efforts of financial advisors to bridge the gap between its clients through legacy planning, setting of trust funds and inheritance allocations. The survey also notes efforts of local financial firms in providing quality service.

The article discusses various options that bank advisors should consider when planning for their retirement. Topics covered include the two possibilities for a customized retirement which allows the advisor to decide how and when they will retire, the benefits of a customized retirement plan, and the employability of financial advisors.

Timing can be fine-tuned at the end, but put a plan in place years in advance. [ABSTRACT FROM AUTHOR]

The article discusses how clients and business benefit when retirement enters the decumulation stage according to financial advisors. Topics include why the recommendation that a client begin decumulating assets does not come easy, the need for advisors to consider the current economic landscape and challenges that come with it, and the lessons learned by advisors from how to start the drawdown from their experiences with family members.

Clients' unwillingness to realistically plan for their financial future can pose a challenge to advisors. Here's how to guide clients to make more rational retirement decisions. [ABSTRACT FROM AUTHOR]