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Jennifer MacDonald

Private Banker

Tel: 705-734-1581
Tel: 437-980-9025

Jennifer MacDonald
Sheeta Sapra

Address
90 Collier St
Suite 104A
Barrie , ON
L4M 0J3
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Retirement Planning
Strategies for Your Retirement Savings Plan
A formalized savings plan that uses a registered plan, such as a Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA) or a Registered Retirement Income Fund (RRIF), is one of the soundest ways to realize your retirement goals. Here are some strategies you can use to maximize the benefits of your RRSP, TFSA and RRIF.
Retirement Expense Worksheet
As you plan for your retirement, it is critical to consider your current expenses as well as your future expenses.
Retirement trends
The timing of one’s retirement and when one starts to withdraw from their savings may mean the difference between having a retirement nest egg that lasts a lifetime, or running out of money and cutting back during retirement.
Retirement planning: CPP/QPP, RRIF and OAS considerations
When the time for retirement arrives, payments from the Canada Pension Plan or Quebec Pension Plan (CPP/QPP), Registered Retirement Income Fund (RRIF), and Old Age Security (OAS) are the main sources of retirement income for many Canadians. It is important to consider these income streams and discuss the planning opportunities with your financial professional as you approach your retirement years. This publication provides an overview of these programs and some factors affecting the decision-making process.
Checklist: More than 10 years to retirement
Welcome to tomorrow. Prepare now to retire well later.
Checklist: Between 2 and 10 years to retirement
A clear path to retirement requires a clear plan. If retirement is now on the horizon and no longer a distant goal, you’ll want to make sure preparing for it is a priority. Using this time to continue to save and build your assets, while paying off outstanding debt can really make a difference. This is also the perfect time to put some serious thought into what your retirement will look like. This checklist will help you do just that.
Financial Planning
Reaching your goals: An investment strategy for every life stage
The down payment on a house, your child’s college education, or maybe even a vacation home? You will probably have different goals at different stages of your life. But no matter what else you’re saving for, you should make sure you’re putting enough money aside for one of the most important goals of all – your retirement.
Financial Planning Year-End Checklist
Tax-filing season provides a good opportunity to learn more about your current financial situation. While you have all your records on hand, you can review your finances and calculate your net worth.
Wealth Management for Physicians: Because your financial health matters.
Our “One Wealth” team creates solutions that respect the nuances of your profession, and address the opportunities and potential challenges associated with your personal wealth. We can help you with complex banking and borrowing needs; investment management, wealth planning concerns, business succession strategies, and trust and estate services. In short, we can help provide you with the right solution, regardless of the complexity of your needs.
Education Planning
Education Planning For the Children in Your Life
Most parents hope their children will pursue higher education – and for good reason. A post-secondary education can prepare your child for a fulfilling career, lead to enhanced earnings potential and, ultimately, steer them on the path to a successful and rewarding life. However, if adequate savings are not in place for post-secondary education, your children could graduate with the added stress of carrying significant student debt before they’ve even secured their first job.
Business Advisory & Succession Planning
Do you have a succession plan for your business?
A succession plan would detail the business owner’s desires with respect to the management of the business and the disposition of their shares. This is very important because business owners devote a significant amount of time, energy and, in most cases, their own money to building their business. If you’re contemplating a sale to a third party or a transition to family or employees, setting goals, having a vision and developing a formalized business succession plan are critical for success.
Tax Planning Strategies
Personal Tax Calendar 2020
Tax planning should be a year round activity, in order to maximize the savings opportunities available to you. The Personal Tax Calendar has been updated for 2020 and summarizes important tax deadlines and provides some planning tips for you to consider throughout the coming year.
Managing Your Wealth
Wealth Planning Facts & Figures
This is a helpful resource summarizing important tax, retirement and estate planning information.
Estate & Succession Planning
Estate Information Organizer
This is designed to help your family, executor (referred to as a “liquidator” in Quebec), or Power of Attorney for Property (referred to as a “mandatory” in Quebec) locate all of your important documents and other information needed to administer your estate or act as your Power of Attorney for Property
“Stress Testing” Your Estate Plan in a Time of Crisis
April 30, 2020: A crisis can be a catalyst for action if you don’t have an estate plan – or even a Will. Here is a checklist to help ensure your estate plan is up to date, reflects your current wishes, and continues to align to your goals.
Estate planning for complex family dynamics
Today, the modern family comes in many different shapes and sizes; this diversity is having an impact on family relationships and the way families interact when addressing estate planning.
Economic and Market Updates
Monthly Market Commentary - Lesley Marks
The monthly Global Markets Commentary, prepared by Lesley Marks, Chief Investment Officer, BMO Private Wealth, provides an overview of recent global events and their impact on the markets.