Bewley and Coltman Financial Services http://bewleycoltman.com Tue, 21 Feb 2012 23:12:21 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 Home http://bewleycoltman.com/ http://bewleycoltman.com/#comments Tue, 29 Dec 2009 16:59:33 +0000 Jo http://bewleycoltman.com/?page_id=3

Welcome to Bewley & Coltman Financial Services

Our commitment is to provide superior financial, retirement and estate planning.

Our integrity provides clients the right choices to plan for their future.

Our expertise, service and loyalty facilitates life-long relationships.

Christine and Pat copy

Your Retirement Specialists

Transitioning employees from the workforce
to retirement income for life.

We are a leading resource in assisting clients to achieve their retirement goals. Focusing on Retirement Planning, Estate Planning, and Asset and Product Management, we deliver sound financial, investment and wealth management strategies to help you take control of your future.

302-830 Shamrock Street
Victoria, BC
Phone: 250-658-3908
Fax: 250-658-3912
Toll Free: 1-866-507-8352

]]>

Welcome to Bewley & Coltman Financial Services

Our commitment is to provide superior financial, retirement and estate planning.

Our integrity provides clients the right choices to plan for their future.

Our expertise, service and loyalty facilitates life-long relationships.

Christine and Pat copy

Your Retirement Specialists

Transitioning employees from the workforce
to retirement income for life.

We are a leading resource in assisting clients to achieve their retirement goals. Focusing on Retirement Planning, Estate Planning, and Asset and Product Management, we deliver sound financial, investment and wealth management strategies to help you take control of your future.

302-830 Shamrock Street
Victoria, BC
Phone: 250-658-3908
Fax: 250-658-3912
Toll Free: 1-866-507-8352

]]> http://bewleycoltman.com/home/feed 0 Financial Planning Overview http://bewleycoltman.com/financial-planning/financial-planning http://bewleycoltman.com/financial-planning/financial-planning#comments Sat, 16 Jan 2010 02:05:51 +0000 Jo http://bewleycoltman.com/?page_id=450 photo_11557_20100115Comprehensive financial planning is best described as the process of creating strategies to meet your life goals. The first step is to define what your goals and objectives are. Your goals provide the basic framework for the development of your financial strategy.
These strategies will fall into six components:

]]> photo_11557_20100115Comprehensive financial planning is best described as the process of creating strategies to meet your life goals. The first step is to define what your goals and objectives are. Your goals provide the basic framework for the development of your financial strategy.
These strategies will fall into six components:

]]> http://bewleycoltman.com/financial-planning/financial-planning/feed 0 Residency Disclaimer http://bewleycoltman.com/residency-disclaimer http://bewleycoltman.com/residency-disclaimer#comments Mon, 23 Jan 2012 17:14:07 +0000 Christie http://bewleycoltman.com 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.

]]> 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.

]]> http://bewleycoltman.com/residency-disclaimer/feed 0 Glossary of Financial Terms http://bewleycoltman.com/glossary-of-financial-terms-2 http://bewleycoltman.com/glossary-of-financial-terms-2#comments Thu, 09 Feb 2012 18:55:38 +0000 Christie http://bewleycoltman.com http://bewleycoltman.com/glossary-of-financial-terms-2/feed 0 About Us http://bewleycoltman.com/about-us http://bewleycoltman.com/about-us#comments Tue, 29 Dec 2009 17:00:01 +0000 Jo http://bewleycoltman.com/?page_id=5

We provide comprehensive financial planning services, which may include risk management, debt management, short and long-term investing, tax minimization, retirement planning, estate planning and leveraged investing.

As licensed Life Insurance and Mutual Fund representatives, we are certified to provide a variety of products including Mutual Funds, Segregated Funds, GICs, Annuities, Life, Disability, Critical Illness and Long Term Care insurance.

We are also qualified to address business insurance needs including Group Health and Dental Insurance plans, Registered Pension or Group RRSP plans and Health and Welfare Trusts for small business. We have access to various bank products including high-interest chequing accounts.

Over time we’ve developed close working relationships with a variety of Investment and Insurance companies. We’ve selected these companies as our primary suppliers, but as independent advisers are in no way limited to them.

Our Team

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We provide comprehensive financial planning services, which may include risk management, debt management, short and long-term investing, tax minimization, retirement planning, estate planning and leveraged investing.

As licensed Life Insurance and Mutual Fund representatives, we are certified to provide a variety of products including Mutual Funds, Segregated Funds, GICs, Annuities, Life, Disability, Critical Illness and Long Term Care insurance.

We are also qualified to address business insurance needs including Group Health and Dental Insurance plans, Registered Pension or Group RRSP plans and Health and Welfare Trusts for small business. We have access to various bank products including high-interest chequing accounts.

Over time we’ve developed close working relationships with a variety of Investment and Insurance companies. We’ve selected these companies as our primary suppliers, but as independent advisers are in no way limited to them.

Our Team

Christie Coltman CLU, CFP Investment Funds Representative

Christie Coltman CLU, CFP

Investment Funds Representative

Christie Coltman focuses on providing families and businesses the expertise to deal with financial retirement and estate issues. During her 18 years in the industry, Christie has completed her Certified Financial Planner designation (CFP) and also has her Chartered Life Underwriter (CLU) designation. Christie is the mother of two young children.

Pat Bewley

Pat Bewley

Account Representative

Pat Bewley has been in the Financial Services industry for 25 years, beginning as an administrator for a large insurance company in Edmonton, Alberta, and then progressed from an administrative assistant to an advisor. She began her career working with clients in 1985 and specializes in retirement and estate planning. As a single mother, she raised and educated three children, one of which is her partner, Christie Coltman. She is a grandmother to ten grandchildren.

Valerie Steinke sharpened 2x3 300 dpi sRGB for internet

Valerie Steinke

Office Administrator

Valerie joined our team in 2006 as our office administrator. She has a background as a project manager in the telecommunications industry,  department of engineering,  as well as six years administrative experience in the financial services industry.

]]> http://bewleycoltman.com/about-us/feed 0 Financial Management http://bewleycoltman.com/financial-planning/financial-management http://bewleycoltman.com/financial-planning/financial-management#comments Sat, 16 Jan 2010 02:10:20 +0000 Jo http://bewleycoltman.com/?page_id=452 The purpose of financial management is to identify strategies and techniques to optimize short and midterm cash flows, assets and liabilities. Determining your net worth, your net investment assets and cash flow will provide a picture of where your money goes.

Together we can help identify opportunities to more efficiently manage your finances, thus increasing your ability to fund your financial goals.

photo_9495_20091104

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.

]]> The purpose of financial management is to identify strategies and techniques to optimize short and midterm cash flows, assets and liabilities. Determining your net worth, your net investment assets and cash flow will provide a picture of where your money goes.

Together we can help identify opportunities to more efficiently manage your finances, thus increasing your ability to fund your financial goals.

photo_9495_20091104

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.

]]> http://bewleycoltman.com/financial-planning/financial-management/feed 0 Learning Centre http://bewleycoltman.com/learning-centre http://bewleycoltman.com/learning-centre#comments Wed, 09 Mar 2011 21:23:16 +0000 Christie http://bewleycoltman.com/?p=990 Solutions for Financial Planning - current edition

Face Retirement with Confidence:   Build a retirement income stream that can last a lifetime

Putting Risk Into Perspective:  Find your comfort zone

The Gender Divide:  Unique challenges facing women investors

Common Wealth Transfer Mistakes

Glossary of Financial Terms

Comparing TFSAs,RRSPs & non-registered savings plans

]]> Solutions for Financial Planning - current edition

Face Retirement with Confidence:   Build a retirement income stream that can last a lifetime

Putting Risk Into Perspective:  Find your comfort zone

The Gender Divide:  Unique challenges facing women investors

Common Wealth Transfer Mistakes

Glossary of Financial Terms

Comparing TFSAs,RRSPs & non-registered savings plans

]]> http://bewleycoltman.com/learning-centre/feed 0 Asset and Product Allocation http://bewleycoltman.com/financial-planning/asset-management http://bewleycoltman.com/financial-planning/asset-management#comments Sat, 16 Jan 2010 02:11:19 +0000 Jo http://bewleycoltman.com/?page_id=454 Asset allocation strategies seek to reduce risk, i.e. reduce the uncertainty we have about what the future will bring for our investments. When properly designed and managed, an asset allocation strategy can offer some protection from severe market contractions, helping you from falling short of your target.photo_8696_20091013

As you transition into retirement, traditional investment rules will change. This is when Product Allocation will become more important, i.e. focusing on the types of products you hold and how these products are working together to provide growth and guaranteed income for life.

How you turn your savings into retirement income is a significant financial decision. Although there are a myriad of product choices available, they can be classified into three groups:

Systematic Withdrawal Plans

Regular withdrawals from investments.

Guaranteed Minimum Withdrawal Benefits

These products provide investors with “pension-like” guarantees. You have guaranteed income for life, all the growth potential of the market, and your income is protected from market downturns as your principal remains untouched..  Guaranteed Income products are an excellent solution for those near to or in retirement who want to protect their retirement income from market downturns.

For more information click here

 

Sequence of Return Calculator

Annuities

In exchange for a single lump sum deposit, a financial institution makes guaranteed regular income payments that contain both interest and a return of principal. Annuity payments can continue for a chosen period of time or the lifetimes(s) of two people.

Annuities purchased with non-registered funds will generate tax-efficient income as it provides a payment that is composed of interest and capital, but only the interest is taxable. Most annuities meet specific Tax Act requirements and therefore qualify as “prescribed annuities”, which receive favourable tax treatment. And, for those 65 or older, income from an annuity will qualify for the pension income tax credit and for pension income splitting.

Contact us for a free consultation to discuss investment strategies that might be right for you.

]]> Asset allocation strategies seek to reduce risk, i.e. reduce the uncertainty we have about what the future will bring for our investments. When properly designed and managed, an asset allocation strategy can offer some protection from severe market contractions, helping you from falling short of your target.photo_8696_20091013

As you transition into retirement, traditional investment rules will change. This is when Product Allocation will become more important, i.e. focusing on the types of products you hold and how these products are working together to provide growth and guaranteed income for life.

How you turn your savings into retirement income is a significant financial decision. Although there are a myriad of product choices available, they can be classified into three groups:

Systematic Withdrawal Plans

Regular withdrawals from investments.

Guaranteed Minimum Withdrawal Benefits

These products provide investors with “pension-like” guarantees. You have guaranteed income for life, all the growth potential of the market, and your income is protected from market downturns as your principal remains untouched..  Guaranteed Income products are an excellent solution for those near to or in retirement who want to protect their retirement income from market downturns.

For more information click here

 

Sequence of Return Calculator

Annuities

In exchange for a single lump sum deposit, a financial institution makes guaranteed regular income payments that contain both interest and a return of principal. Annuity payments can continue for a chosen period of time or the lifetimes(s) of two people.

Annuities purchased with non-registered funds will generate tax-efficient income as it provides a payment that is composed of interest and capital, but only the interest is taxable. Most annuities meet specific Tax Act requirements and therefore qualify as “prescribed annuities”, which receive favourable tax treatment. And, for those 65 or older, income from an annuity will qualify for the pension income tax credit and for pension income splitting.

Contact us for a free consultation to discuss investment strategies that might be right for you.

]]> http://bewleycoltman.com/financial-planning/asset-management/feed 0 Financial Planning http://bewleycoltman.com/financial-planning http://bewleycoltman.com/financial-planning#comments Wed, 20 Jan 2010 18:55:10 +0000 Jo http://bewleycoltman.com/?page_id=648 http://bewleycoltman.com/financial-planning/feed 0 Guaranteed Income Products http://bewleycoltman.com/guaranteed-income-products http://bewleycoltman.com/guaranteed-income-products#comments Thu, 21 Jan 2010 00:35:10 +0000 Jo http://bewleycoltman.com/?p=687 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

]]> 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

]]> http://bewleycoltman.com/guaranteed-income-products/feed 0