Bewley and Coltman Financial Services

Residency Disclaimer

charlene — Mon, 23 Jan 2012 17:14:07 +0000

The information in this Website is intended for residents of British Columbia and Alberta, where we are licensed, and does not constitute an offer to sell or solicit persons to purchase products in any other province, territory or country. Further, any products referenced are only offered in those of the jurisdictions previously noted, and only where they may be lawfully offered for sale. All products are subject to the terms of the applicable product agreement. The information in this Website is subject to change without notice. This communication does not constitute an offer or solicitation by anyone in any jurisdiction where such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

LEARNING CENTRE

charlene — Wed, 09 Mar 2011 21:23:16 +0000

Solutions for Financial Planning magazine

Face Retirement with Confidence: Build an Income Stream that can Last a Lifetime

Upcoming Events

charlene — Mon, 25 Oct 2010 22:47:30 +0000

tba

info@bewleycoltman.ca

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All-In-One Bank Accounts

Jo — Thu, 21 Jan 2010 00:48:23 +0000

Manulife Bank offers an account that co uld save you thousands. I am authorized to refer you if you’re interested.

Click here for more information.

Guaranteed Income Products

Jo — Thu, 21 Jan 2010 00:35:10 +0000

GIF Select is unlike any other investment product currently offered in Canada. With GIF Select, you can customize your Investment to include the protection features that best suit your needs now and in the future.

Click here for more information

Financial Planning

Jo — Wed, 20 Jan 2010 18:55:10 +0000

Estate Planning

Jo — Sat, 16 Jan 2010 02:16:31 +0000

The purpose of Estate Planning is to maximize the estate for heirs while reducing taxes and other expenses. Estate Planning is the creation of wealth, the preservation of wealth and the conservation of wealth at the time of death.

Like any planning, the process of creating an Estate Plan includes the following steps:

Identify your estate planning objectives
Gather Information about your current situation
Analysis of current situation
Document an appropriate strategy and the eventual outcome of that strategy
Identify Action Steps required to implement the strategy
Make decisions for action

Estate Planning Documents

Last Will and Testament
Power of Attorney for Property
Power of Attorney for Personal Care

Click here for more information

Retirement Planning

Jo — Sat, 16 Jan 2010 02:16:09 +0000

The purpose of having a financial strategy is to provide you with a road map of what you need to do to achieve all of your financial goals and objectives. Having this financial road map, will help you make informed decisions about what you spend, save or invest.

A life goals analysis is a tool to identify if you are on track to achieve your goals and objectives. The analysis will provide a snapshot of your entire future financial life. It identifies all anticipated sources of income and all anticipated expenses.

Recognizing all sources of income and expenses and the timing of each, we are able to identify years where you may have a shortfall. If your portfolio cannot cover these “shortfalls” other actions may need to be taken to ensure your plan is not jeopardized.

Good planning now with the help of your financial advisor will help you go from shortfall to surplus, ensuring you will still able to meet your retirement goals.

Click here for more information on a Tax-free Savings Account

Links:
Solutions for Financial Planning magazine

Tax Planning

Jo — Sat, 16 Jan 2010 02:12:47 +0000

The principles of tax planning form an integral part of any wealth-building strategy. The overall objective is to structure your affairs to legally minimize the amount of tax you pay.

Click here for more information about a Tax-free Savings Account

Risk Management

Jo — Sat, 16 Jan 2010 02:11:43 +0000

is the process we use to:

Identify the risks that could threaten your financial security
Quantify the risks
Determine if there is some way to mitigate the risks through planning
Transfer the remaining risks that you are unable or unwilling to assume yourself to an insurance company

Risks Management Tools:

When you insure your life and health what you’re really doing is insuring the income that supports your lifestyle, as well as your ability to earn an income.

Ask yourself this: “If I die suddenly, will my family have enough money to maintain their lifestyle? How will I pay the bills if I have a heart attack or have to stop working because I’m being treated for cancer? What if I get in an accident and can’t take care of myself?”

Anything can happen, so you’ll want to make sure you have the right insurance. There are so many choices it can be confusing. That’s why there’s Insure Right – a five-step process to help you determine the coverage that’s right for you.

Synergy Combination Insurance:
3-in-1 policy: Disability, Critical Illness, Life

Life Insurance

Disability Insurance

Use this Disability Needs Calculator to help you identify the amount of income you would need if a disability prevents you from working.

Critical Illness Insurance

Long Term Care Insurance

Health & Dental Benefits

Individual
Self-Employed
Group

Travel Insurance

Contact us for more information or a no obligation quote