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Asset Allocation
Asset Allocation is a disciplined, long-term financial
strategy for investing money into various asset classes based on
your investment goals, time horizon, and risk tolerance. Asset
allocation can help you reduce your investment risk and optimize
your potential return because you use a strategic mix of asset
classes rather than try to pick the best performing investment.
With asset allocation, your investment is spread among various
asset classes, such as stocks, bonds, and cash. Within these
broad categories, there are different types of stocks and bonds,
as well as different investment strategies, such as growth and
value investment styles.
Diversification is an important benefit of asset allocation
because it reduces the negative impact when there is a downturn
in one asset class.
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Retirement Planning
There’s a day in the future you’re looking forward to with great
anticipation and probably some anxiety: your retirement day.
The mixed feelings are understandable. The prospect of setting
your own schedule and spending time on favorite hobbies may make
you yearn for your eventual retirement. On the other hand,
uncertainty about the future is likely to make you a bit
apprehensive. You can reduce your fears by taking a realistic
look at how well you’re preparing for retirement. Money is the
biggest retirement concern most people have, so having a clear
picture of your finances will go a long way toward putting your
mind at ease
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Financial Planning
Unfortunately, some people don’t start thinking about financial
plans for retirement until they’re just about ready to retire.
That adds a lot of unnecessary stress to their lives. You can
avoid having retirement sneak up on you by making plans early.
Remember, the sooner you start preparing for retirement and the
more thoroughly you plan, the more likely you are to enjoy
yourself when retirement actually comes.
Each day we face difficulties in managing our finances.
Inflation, taxes, debt, changing interest rates, and stock
market swings – their effect can unsettle one of our most
precious possessions, peace of mind. One thing we can be certain
of is that the future will come, whether we are financially
ready or not.
The beauty of your plan will be your ability to change it. This
kind of flexibility is to your advantage because your goals will
change as time goes by. There’s no need to put off planning. The
time is now. Creating a plan with a professional financial
consultant from ABF Financial Services will help you to know
where you want to be and how you’re going to get there.
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Estate Planning
There are a number of estate planning methods that can be used
to minimize federal taxes on your estate
Planning your estate is to distribute your assets according to
your wishes after your death. Successful estate planning
transfers your assets to your beneficiaries quickly and usually
with minimal tax consequences. The process of estate planning
includes inventorying your assets and making a will and/or
establishing a trust, often with an emphasis on minimizing
taxes.
Estate planning is very complex and is subject to changing laws.
Be sure to seek professional advice from our Financial
Consultant and a qualified lawyer. The money you spend now to
plan your estate can mean more money for your beneficiaries in
the long run.
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Tax Planning
What does "tax relief" mean for you? In addition to current
savings, you may find opportunities to better meet your current
financial needs and future goals. With more money in your
pocket, you may find the resources to "beef-up" retirement
savings, start a college savings plan, enhance your insurance
coverage or save for your dream house.
ABF Financial Services saves the average client $100,000 over a
10 year period. Know the difference between a tax deduction, a
refundable tax credit and a refundable tax credit.
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Risk Management
We all have a responsibility to protect those who depend on us
with a sufficient amount of life insurance protection. Life
Insurance is the cornerstone of your family’s financial
security. It can provide those who are left behind with a
lifetime of financial security.
Life Insurance can also provide businesses with the capital
necessary to survive the passing of a key employee or partner.
There are two basic types of life insurance available on the
market today, Term Life Insurance and Permanent Insurance. Which
one is for you? It may depend on how long you need the coverage
for. If you have a temporary protection need, Term Life
Insurance may be appropriate. If you expect to need life
insurance for a longer duration, even for your lifetime, then
you should consider Permanent Life Insurance.
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Education Planning
If you're good at planning ahead, you may have thought about it
before your child was even born, perhaps while you were shopping
for a bassinet and teddy bears. At any rate, you probably
started thinking about it when your child was very young. After
all, it's one of the major responsibilities you face as a
parent: your child's university/college education.
Personal growth and expanded horizons are reason enough to send
a child to college, but there are more practical considerations,
too. College graduates have more jobs to choose from, and they
generally make more money than people who have a high school
education. That makes a university/college education very
important for your child's future.
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Philanthropy
As part of our commitment to providing you with complete wealth
management solutions, ABF Financial Services assists you in
using your wealth to make a difference.
Strategic philanthropy makes a clear statement about your
personal values, beliefs and convictions. It is an innovative
process that gives you the opportunity to get at the root causes
of problems and help provide solutions. ABF Financial Services
provides strategic advice and guidance to make it easier for you
to invest your money in social causes that are important to you.
We can offer you the specialized counseling, banking and
investment services needed to support all aspects of
philanthropic giving. Our job is to make sure that your
foundation is set up and managed in a professional manner, and
that you reap the fulfillment that comes with effective
philanthropy.
Your legacy should be as personal as your fingerprint. Let us
help make sure your personal values are appropriately reflected
in how and where you put your money to good use.
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Business Succession
People acquire small businesses in many ways, but all are faced
with one common challenge: taking charge of everything involved
in running a business. Running a small business involves many
activities, including developing a business plan, overseeing
sales and marketing, dealing with personnel and a whole range of
administrative responsibilities.
You have built your business into what is probably your most
significant asset. The wisest investment you can make today is
to take the time to think about the future. Do you have an exit
strategy? Or do you plan to close your business down the day you
retire? Is your buy-sell agreement adequately funded?
ABF Financial Services offers you the support of a comprehensive
business transition process. We can assist you in understanding
the value of your business, including the factors that drive the
value. We can help you explore and carefully consider the
strategic options for your business. And we can help you unlock
the equity in your business.
Business Succession planning is part of our commitment to
providing you with complete wealth management solutions. Your
personal and business needs are intertwined, so your succession
plan requires an integrated approach. Let us help guide you
towards your future.
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Health
and Dental Benefits
If you are one of the millions of Canadians not fully covered by
a group health plan, you are vulnerable to healthcare expenses
not covered by your Government Health Insurance Plan.
ABF RealCare Program offers you a unique combination of
health benefits that provide you and your family with
comprehensive coverage you simply shouldn’t do without. Whether
your focus is on prescription drug coverage, dental services, or
a combination of both, ABF RealCare is specially designed
to provide flexibility and choice, allowing you to select the
plan and level of coverage according to your current and future
needs, your lifestyle and your budget.
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