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Find balance
                                                                                                       through a healthy financial plan!




Committed           Our mission:

           dreams
                    to offer overall financial planning to successful

 to your            entrepreneurs, business people, and seniors who have
                    the economic means and desire to focus on their goals
                    and appreciate the lifetime relationship we offer…
                                                                                                       Bill Simpson, CFP
                    For more information on the Desjardins Financial Security Independent Network,     Stephen Cox
                                                                                                       Life and Health Insurance Advisor
                    please visit the website                                                           Mutual Fund Representative*
                                                                                                       Certified Financial Planner
                    dfsin.ca                                                                           333 Main Street
                                                                                                       7001 Mumford Road, Tower 1, Suite 312
                                                                                                       Windson (ON) G6L 1M4
                                                                                                       Halifax, NS B3L 4N9
                                                                                                       Tel.: 604-226-6547
                                                                                                       Tel.: 902-446-4563
                                                                                                       Toll-free: 1-866-226-6547
                                                                                                       Toll Free: 1-877-256-6435
                                                                                                       Fax: 604-528-6589
                                                                                                       Fax: 902-446-4565
                                                                                                       bill.simpson@dfsin.ca
                                                                                                       steve.cox@dfsin.ca
                                                                                                       www.dfsin.ca
                                                                                                       www.stevecox.ca



                                                                                                                                                                                         *



                    ® Registered trademark owned by Desjardins Financial Security


                                                                                                     * Mutual funds distributed through Desjardins Financial Security Investments Inc.
Because your needs change over time…                                                                          Financial products and services for individuals                                                                             Financial Mapmaking
        Your financial strategy must be reviewed at different                                                         Your personal plan must, among other things,
        stages of your life.                                                                                                                                                                                                                      We provide a refreshing alternative to the product-focused
                                                                                                                      take the following into consideration:                                                                                      approach taken by most financial services advisors. Instead,
                                                                                                                                                                                                                                                  we focus on your specific needs offering a genuine long-term
       Taking an extended trip
                                                                                                                        	 Personal Finances                                               	 Taxation                                              relationship to help you master your money.
                                                                                                           Retiring
                                                                                                                          •	 Budget planning                                               •	 General diagnostic
                                                                                                                          •	 Debt management                                               •	 Analysis of taxes on investments

Getting divorced
                                                        Making a will
                                                                                                                          •	 Project funding                                               •	 Tax strategies for lifetime, death, and
                                                                                                                                                                                              foreign assets
                                                                                                                                                                                                                                                  We are Financial Mapmakers
                                                                                        Buying a property
                                                                                                                        	 Insurance                                                        •	 Government programs
                                                                                                                                                                                                                                                  We help you to design and create the financial map of your future.
                             Receiving an inheritance
                                                                                                                          •	
                                                                                                                          •	
                                                                                                                               Life insurance
                                                                                                                               Critical illness and disability insurance                  	 Retirement                                            This map represents your dreams and aspirations; each point of interest on
                                                                                                                          •	   Health and long-term care insurance                         •	 Planning goals and needs
                                                                                                                          •	   Personal or group insurance                                 •	 Risk management                                     the map represents a personal goal. It gives you the highest probability of
                                                                                                                                                                                           •	 Investment strategies                               achievement.
 Starting a business
                                           Protecting yourself in case of disability or critical illness                	 Investments                                                        	 -	Registered Retirement Savings Plan (RRSP)
                                                                                                                                                                                               - Tax Free Savings Account (TFSA)                  Then we will look for the “financial vehicles” to start the journey.
                                                                                                                          •	   Investment policy, investor profile and periodic reviews    •	 RRSP loans
                                                                                                                          •	   Second opinion on your portfolio                            •	 Payout strategies
                                                                                                                          •	   Increasing the value of your estate                           	 - Registered Retirement Income Fund (RRIF)         We find that most clients come to us having accumulated many different
                                 Getting married
                                                                                                                          •	   Systematically saving more                                                                                         financial vehicles, but few of them with any strategy or coherency.
                                                                                                     Having a child       •	
                                                                                                                          •
                                                                                                                               Registered Education Savings Plan (RESP)
                                                                                                                               Registered Disability Savings Plan (RDSP)                  	 Legal
                                                                                                                                                                                                                                                  We will take a look at the financial vehicles that you already have and see if
                                                                                                                                                                                           •	 Wills and Powers of Attorney
                                                                                                                                                                                                                                                  they fit into the financial map we design together. If they fit we will keep them,
                                                    Taking a sabbatical                                                 	 Estate                                                           •	 Marriage and civil union contracts
                                                                                                                                                                                                                                                  but if they don’t we will try to improve or upgrade them.
                                                                                                                          •	   Transfer of assets at death
                                                                                                                          •	   Testamentary trusts
                                                                                       Losing a loved one                 •	   Settlement costs at death                                                                                          You wouldn’t usually start a long distance road trip with an outdated map, why
                                                                                                                          •	   Evaluation of succession duties                                                                                    should your finances be any different?
                                                                                                                                                                                                                                                  As part of our ongoing relationship, we will regularly review your progress.
                                                                             Changing careers
                                                                                                                                                                                                                                                  Life changes; we want to ensure that we are on the right track every step of
                                                                                                                                                                                                                                                  the way.
                                                                                                                      Products and services for businesses
                                                                                                                                                                                                                                                                          Why would you buy
                                                                                                                      If you are self-employed
                                                                                                                                                                                                                                                                 a financial vehicle before you design
                                                                                                                      or a shareholder in or owner of a business,                                                                                                           a financial map?
                                                                                                                      you must also, among other things, consider the following:
                                                                                                                         Planning shareholder needs, including coverage in                Financing debt structure, the buyout of a partner,
                                                                                                                         case of death, disability or critical illness, and buy and       venture capital
                                                                                                                         sell agreements
                                                                                                                                                                                          Tax efficient strategies, savings and estate planning
                                                                                                                         Risk management with regard to key employees and                 for your business




                                                                                                                                                                                                                                                  cooperation
                                                                                                                         employee benefits
                                                                                                                                                                                          Insurance and Group Pension Plan
                                                                                                                         Individual Pension Plan (IPP)

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Financial mapmaking

  • 1. Find balance through a healthy financial plan! Committed Our mission: dreams to offer overall financial planning to successful to your entrepreneurs, business people, and seniors who have the economic means and desire to focus on their goals and appreciate the lifetime relationship we offer… Bill Simpson, CFP For more information on the Desjardins Financial Security Independent Network, Stephen Cox Life and Health Insurance Advisor please visit the website Mutual Fund Representative* Certified Financial Planner dfsin.ca 333 Main Street 7001 Mumford Road, Tower 1, Suite 312 Windson (ON) G6L 1M4 Halifax, NS B3L 4N9 Tel.: 604-226-6547 Tel.: 902-446-4563 Toll-free: 1-866-226-6547 Toll Free: 1-877-256-6435 Fax: 604-528-6589 Fax: 902-446-4565 bill.simpson@dfsin.ca steve.cox@dfsin.ca www.dfsin.ca www.stevecox.ca * ® Registered trademark owned by Desjardins Financial Security * Mutual funds distributed through Desjardins Financial Security Investments Inc.
  • 2. Because your needs change over time… Financial products and services for individuals Financial Mapmaking Your financial strategy must be reviewed at different Your personal plan must, among other things, stages of your life. We provide a refreshing alternative to the product-focused take the following into consideration: approach taken by most financial services advisors. Instead, we focus on your specific needs offering a genuine long-term Taking an extended trip Personal Finances Taxation relationship to help you master your money. Retiring • Budget planning • General diagnostic • Debt management • Analysis of taxes on investments Getting divorced Making a will • Project funding • Tax strategies for lifetime, death, and foreign assets We are Financial Mapmakers Buying a property Insurance • Government programs We help you to design and create the financial map of your future. Receiving an inheritance • • Life insurance Critical illness and disability insurance   Retirement This map represents your dreams and aspirations; each point of interest on • Health and long-term care insurance   • Planning goals and needs • Personal or group insurance • Risk management the map represents a personal goal. It gives you the highest probability of • Investment strategies achievement. Starting a business Protecting yourself in case of disability or critical illness Investments - Registered Retirement Savings Plan (RRSP) - Tax Free Savings Account (TFSA) Then we will look for the “financial vehicles” to start the journey. • Investment policy, investor profile and periodic reviews • RRSP loans • Second opinion on your portfolio • Payout strategies • Increasing the value of your estate - Registered Retirement Income Fund (RRIF) We find that most clients come to us having accumulated many different Getting married • Systematically saving more financial vehicles, but few of them with any strategy or coherency. Having a child • • Registered Education Savings Plan (RESP) Registered Disability Savings Plan (RDSP) Legal We will take a look at the financial vehicles that you already have and see if • Wills and Powers of Attorney they fit into the financial map we design together. If they fit we will keep them, Taking a sabbatical Estate • Marriage and civil union contracts but if they don’t we will try to improve or upgrade them. • Transfer of assets at death • Testamentary trusts Losing a loved one • Settlement costs at death You wouldn’t usually start a long distance road trip with an outdated map, why • Evaluation of succession duties should your finances be any different? As part of our ongoing relationship, we will regularly review your progress. Changing careers Life changes; we want to ensure that we are on the right track every step of the way. Products and services for businesses Why would you buy If you are self-employed a financial vehicle before you design or a shareholder in or owner of a business, a financial map? you must also, among other things, consider the following: Planning shareholder needs, including coverage in Financing debt structure, the buyout of a partner, case of death, disability or critical illness, and buy and venture capital sell agreements Tax efficient strategies, savings and estate planning Risk management with regard to key employees and for your business cooperation employee benefits Insurance and Group Pension Plan Individual Pension Plan (IPP)