Haunn Landers & Co.

Would your business survive if a key member of staff passed away all of a sudden? It is perhaps not something you wish to think about. But an unexpected demise or long-term absence could have an immense impact on your firm’s success. You’ve to prepare yourself for the worst-case scenario – and the best way to do so is invest in a key man insurance policy.  What’s keyman insurance? This is an insurance policy where the employer is the proposer and pays the premiums. It helps to think of it as life and critical illness cover for those who’re critical to your company’s success – whether that is the CEO, your top sales person, or someone with a specialist skill set. If any of these key people were to die suddenly or fall sick, a keyman insurance policy will safeguard your business against the financial upshots.  Who’s a key person? A key person is someone whose critical illness, disability or death would have a grave effect on the future profits of the firm. Yo...

Being an adult, saving money is your responsibility, not your parents. However, with bills & other expenses to pay, saving money is becoming more and more complicated. Luckily, there’s a solution to keep your finances in check with your expenditures in mind: financial planning. There’re many critical things to focus during the financial planning process including: Investment planning: One very crucial aspect of financial planning is investment planning. This is when you put together clear-cut financial goals & then compare those goals to your monetary resources. Investments can include a wide range of things like equities, property, cash, bond, and stocks. Keep in mind that investment planning never assures that you’ll make dramatic gain or that you won’t deal with monetary risks. You better get in touch with a certified financial planner in Toronto for better investment guidance. Debt management: Apart from stressing your future investments, it is important...

Growing Entrepreneurs are thrusted into many new responsibilities, managing finances is one of the critical ones.  However, with bills and other expenses to pay, saving money is becoming more and more complicated. Luckily, there’s a solution to keep your finances in check with your expenditures in mind: financial planning. There are many critical aspects to focus on during the financial planning process including: Investment planning: One very crucial element of financial planning is investment. This is when you put together clear-cut financial goals and then compare those goals to your monetary resources. Investments can include a wide range of things like equities, property, cash, and bonds. Keep in mind that investment planning never assures that you’ll make dramatic gain or that you won’t deal with monetary risks. You better get in touch with a certified financial planner in Toronto for better investment guidance. Debt management: Apart from stressing your f...

 A financial planner in Oakville takes record of your finances, and then devises a plan to help you reach your goals.  Certified Financial Planners can also offer investment management. A financial planner helps you in fulfilling your current financial needs and long-term goals. That usually entails evaluating your financial condition, understanding what you wish your money to do for you and helping devise a plan to get you there. Your financial planners can also help you in reducing spend, paying off debt, saving, and investing for the future. Financial professionals are like money doctors: some are specialists in defined areas, such as taxes or managing investments, whereas others are general practitioners, giving advice on everything from budgeting and investing to insurance and retirement planning. Do I really need the help of a financial planner in Oakville ? Generally speaking, the more complicated your financial condition, the more expected you are to ...

If not planned well in advance managing to live comfily without regular paycheques coming in can be a scary proposition. Financial security is the secret of a happy retired life. Planning for a happy retired life in itself needs meticulous planning. To make sure a delightful retired life, it’s wise to allocate this arduous task to a professional financial planner in Toronto . Selecting a financial planner for retirement requires some guidance. There’re so many financial pros who market their business out there, but to pick the right one, it’s essential to evaluate a few financial planners against a set of benchmark yardsticks. The selection for the best financial planner for retirement could be performed on the basis of a two-way analysis. One would be internal & the other external: The internal part would involve an objective evaluation of individual needs. The external part would be about deciding a set of the criteria on which each potential financial planner fo...

 A financial planner in Oakville takes record of your finances, and then devises a plan to help you reach your goals. Some certified financial planners also offer investment management. A financial planners helps you in fulfilling your present financial needs & long-term goals. That usually entails evaluating your financial condition, understanding what you wish your money to do for you and helping devise a plan to get you there. Your financial planners can also help you in reducing spend, paying off debt and saving and investing for the future. Financial professionals are like doctors: some are specialists in defined areas, such as taxes or managing investments, whereas others are general practitioners, giving advice on everything from budgeting and investing to insurance and retirement planning. Do I really need the help of a financial planner in Oakville ? Generally speaking, the more complicated your financial condition, the more expected you are to benefi...

If you are thinking that estate planning is only for the multi-millionaires, then think again. Not having an estate plan can lead to chaos about your end-of-life wishes, alongside emotional stress for your family.  Here are a few tips to prepare an estate plan like a pro.  Prepare a team: Working with a team that includes an estate planning attorney, tax professional and a financial advisor can help you devise a comprehensive estate plan that is personalized for you. Each of these professionals play an important part in the process. The objective is to make sure distribution of your assets to the people or organization you wish with as little chaos as feasible.  Set up guardianship for dependents: You will want to name a guardian to take care of any dependents, such as a minor or a person you care for with special needs.  Ensure you talk to your selected guardian before time to get his or her approval. But keep in mind that he or she does not have to...