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st tribune january 291997 p7 dear stouffville ever wonder what really goes on at 6132 main street heres the inside story you drop in to money concepts to see what we really do and to determine if you could benefit you take a card and go home you decide there is value or at least that youd like to talk further so you set up an appointment you are greeted warmly and usually there is little or no waiting you will feel very comfortable when you enter signys or carols office the business owners now the work starts you are prepared because at the time of making the appointment you were asked to bring pertinent information your latest rsp and investment statements your companys benefit booklet life and disability insurance policies and any other relevant information you think explains your financial life after the small talk we ask you about your goals at what age do you want to retire are you already retired are you planning on spending all your money or do you really want your kids to be left a little nest egg we said kids not revenue canada would you like to plan on funding post secondary education for your children or encourage them to provide for themselves many people dont know what they want so we help get them thinking about it next we generally do a cash flow analysis how much money do you have coming in and where does it all go next your net worth what are your assets and what are your debts and obligations where is your money invested then we move on to insurance what policies do you have personally and at work are you under or over insured we will tell you what adequate coverage is we will also explain your current insurance and whether it is still appropriate if you are under insured we will tell you what it will cost to fill that need we are insurance brokers so we deal with many companies and shop for the best product for you we may also do an educational analysis to determine what the cost of educating your children may be and what you would need to do to provide for that need now the fun part figuring out how much money you will need to retire for most of the baby boomers it is a pretty big number so reality hits and you start to think about changing vocations and becoming a bank robber but there is a way we show you how your money can become this big number we develop an action plan to make this happen however we do believe in a balanced life we dont promote just living for the future but we do suggest a compromise between present and future now we talk to you about what some of our recommendations might be and schedule another appointment to present our conclusions and action plan by this point you are probably glad to go home as youve just spent two hours and youre tired of talking about money at appointment number two you get copies of your cash flow and net worth statements plus your retirement analysis educational analysis and insurance needs analysis after reviewing the above we present you with our suggested action plan as our recommendations are just that you may need to modify the choices to suit your comfort level good investment decisions are made by examining three factors your age your comfort level and the state of the economy we can only speak to your age and the state of the economy it is our job to educate you to such a level that you understand the risks and the rewards of various investments so that you can determine your own comfort level sometimes people make decisions on the second appointment sometimes it takes three four or five appointments it is always up to you to summarize what makes us different from our competitors banks stock brokers and other financial planners is that we make you feel informed and able to make good financial decisions you will sense our knowledge and competence youll enjoy your financial security what we dont do is pressure you talk above you or expect you to take it or leave it we want to earn the right to do business with you do call or drop in warm regards signy and carol ps this is what our clients are saying about us our clients have the final word finding the time to keep track of my investments was becoming more and more difficult signy helped me develop a strategy and put it into action i trust her to give me sound advice and protect my financial future clark reed principal national education and development ernst young we have found carol to be outstanding in the planning services she has provided carol is not only knowledgeable and confident in her business acumen but very caring and family oriented in her educational approach to financial planning we have the utmost respect for carols business style and have certainly benefited greatly from our association with carol over the past 2 years larry ashton vice president operations sega of canada inc carol and signy continue to be just as interested informative and professional as they were the day of our first meeting bravo donna newell teacher working with carol has been a troublefree pleasant productive learning experience not only does carol do all the work she educates you along the way she reviewed our life and disability insurance needs and now we are assured we have proper coverage she has taken the pressure off us carol is definitely our eyes and ears to new and future financial developments john and norah egner owners esso service centreautobody when we found ourselves within striking distance of retirement we felt strongly that we should be evaluating our investments and putting together a plan we met signy at a money concepts seminar and she has been counselling us ever since her knowledge thoroughness and patience were what we needed and we could not be more pleased with the outcome we now have projections for our retirement years that give us peace of mind its great thank you money concepts and signy laurie bonnie hart retired call today for your rrsr concepts the money management people signy lawson mba 6132 main st stouffville 6424540 carol clements