Financial Planning

Initial Consultation: Our free initial consultation allows our Counsellors to provide you with detailed information regarding your options, credit bureau issues, and strategies. You can then decide if choosing EMR Debt Solutions services is right for you…

Get Started Today!!!  For a Free Consultation Call: 416-424-1510

Information/Review: Your Counsellor will review all of your supporting documentation, and finalize the best strategies available to you.

Plan Design/Execution: Your Counsellor will work closely with you to execute the plan, regular meetings might be necessary and updates are given on the progress of the file while the information is gathered.

Completion of Debt Solution: Your Counsellor will complete your Financial Restructuring, Secure informal settlement acceptance letters; assist you in filing either a Consumer Proposal or Bankruptcy.

Completion of Counselling/Financial Planning: Your Counsellor along with a Financial Planner will review both your finances as before your debt solution as well as your current finances. They both will advise you on what you can do to be rehabilitate your credit & lead  you to the “Path to Financial Freedom & Growth”

 FINANCIAL PLANNING

  
 This service will assist you with: 
  
 - Staying organized and on top of all your expenses by creating a monthly budget. 
 - Attaining your financial goals/objectives 
 - Managing your credit 
 - Reviewing/Revising your current financial statements 
 - Invest/Re-organize current personal accounts to ensure you’re letting your money work for you or saving money where possible. 
  
 FINANCIAL PLANNING STEPS

 1) Gather all of your supporting documents – this includes items such as expense statements, income statements, banking information, insurance information, and investment statements. 
 2) Book an appointment – Our Highly educated Personal Financial Planners are ready to assist you with all your financial needs. Please call and book an appointment at your earliest convenience. Contact Us (Link) 
 3) Determine your current financial situation- reviewing all of your supporting documents and drafting up a monthly budget so we have a clear view of what your current financial situation is. 
 4) Develop financial goals- Setting short term and long term goals are very important so we can help you enjoy your life and stay debt free. Our Financial Planners are willing to sit down and help you set suitable goals. 
 5) Determine an alternate course of action if needed- because everyone’s financial situation is different there are many things you can do to take control of your financial situation. Our highly educated Financial Planners will sit with you and see what option is best for you to ensure you meet your goals. 
 6) Re-evaluate and Revise your plan- This is the last and most important step. We recommend a quarterly revision for the first 2-3 years to ensure that your goals will be met. 
  
 Other Products our financial planners can assist you with… 
  
 * Car Insurance – Reviewing your car insurance is what some people always over look. Ask us how we can help you ensure that you are being taken care of and are on the right type of insurance for you. 
 * RESP investments- Registered Education Savings Plan, which allows for you to take advantage of government grants and ensure that when your child is ready to go to University/ College that you have enough money to support them for the full 3-4 years of education. 
 * RRSP investments- Registered Retirement Savings Plan, allows for each and every individual to ensure that they will be living a comfortable lifestyle when they choose to retire. Allow for one of our Financial Planners to review your RRSP to ensure that it is set up to secure your retirement. 
 * Mortgages 
 * Life Insurance 
 * Estate Planning 
  
 DID YOU KNOW… 
 * Credit fact 
 * Debt fact 
 * Savings fact 
  
Disclaimer: The information provided on this website is used just to provide you with general information. Not intended to provide any sort of advice, and should not be acted on without an initial consultation with one of our debt specialists. If you choose to rely on the information given through this website you are doing so on your own risk.