Jean-François Hamel,  B.B.A.

Independent representative
Financial security advisor  
514 282-5356 1 866 665-0500, 25356
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Do you know the importance of having a good financial plan?

To build a tailored financial strategy, it's best to start with a solid plan based on an analysis of your financial situation. There are many questions you should ask yourself. Here are a few examples:

Life insurance
  • How do I determine my life insurance needs?
  • What's the difference between personal life insurance and group life insurance?
Disability and health insurance
  • What kind of disability coverage can I expect?
  • How long will my disability insurance cover me?
Will/Mandate in case of incapacity
  • Have I made out my will and mandate in case of incapacity?
  • What are the consequences of a death for a married/unmarried couple if there is no will?
Emergency funds
  • How much should I have in my account to handle unexpected events?
Personal savings
  • What are my strategies for obtaining savings to buy essential and luxury items?
Debt reduction
  • What are my strategies for reducing my debts and interest charges?
Retirement savings
  • Will my pension plan be enough to meet my goals?
    Is it necessary to take out an RRSP if I have a pension plan?
  • What are my strategies for purchasing a home? Which mortgage term is the most advantageous?
Education savings
  • Why is it beneficial to contribute to an RESP?
Investments subject to market fluctuations
  • What is my risk tolerance?
  • What are the various types of investments?

The last question you should ask yourself is: