{"id":12778,"date":"2016-03-28T10:32:20","date_gmt":"2016-03-28T14:32:20","guid":{"rendered":"https:\/\/huntsville.dopperonline.ca\/?p=12778"},"modified":"2016-03-28T20:42:20","modified_gmt":"2016-03-29T00:42:20","slug":"financial-strategy-natalie-gallagher","status":"publish","type":"post","link":"https:\/\/doppleronline.ca\/huntsville\/financial-strategy-natalie-gallagher\/","title":{"rendered":"Will your financial strategy get you where you want to go?"},"content":{"rendered":"

\u201cYour financial strategy needs to be in line with your goals,\u201d says Natalie Gallagher, a consultant with Investors Group. \u201cYour investments should get you where you want to go and your insurance needs to ensure that those earnings aren\u2019t at risk.\u201d<\/p>\n

Protect your lifestyle<\/strong><\/p>\n

It\u2019s important to protect the lifestyle you have while working toward the one you want, all while having a plan for maintaining it when life throws you a curve ball.<\/p>\n

\u201cThere are many components to a financial plan and you need to look at the whole picture,\u201d says Natalie.<\/p>\n

The four cornerstones of a strong financial strategy are short-term items such as savings and day-to-day expenses, income protection in the form of insurance, planning for moderate goals like buying a home or paying for a child\u2019s education, and long-term planning for the type of lifestyle you want in retirement.<\/p><\/blockquote>\n

But before you can create a plan, you need to understand what\u2019s most important to you. \u201cPlans aren\u2019t identical because every person\u2019s situation is different. You might want to travel the world when you retire. You might be a single parent who wants to ensure that your children are well taken care of if something happens to you. You might be in your first job and don\u2019t know where to start. Wherever you are now and whatever your goals are, the most important thing is that you start and then we can review as often as needed.\u201d<\/p>\n

Natalie stresses the importance of insurance in a comprehensive financial plan. \u201cInsurance will help you cope with the unexpected. It\u2019s better to buy insurance 10 years too early than to try to get it 10 minutes too late.\u201d The effects of a job loss, the death of a spouse, or a disability can all be tempered by various types of insurance like life insurance, critical illness insurance or disability insurance. I look at what you can commit to monthly and how that will help you to attain your goals.\u201d<\/p>\n

What many people don\u2019t understand is how to optimally make investments and insurance work with their goals. It doesn\u2019t take as much time as you might think to figure it out. \u201cI can learn a lot about your financial situation in a conversation over coffee. Then your job is done and you can get back to your life while I spend the time to analyze your options and put together a plan that will get you from where you are now to where you want to be with the least amount of resistance.\u201d<\/p>\n

After that, Natalie will help you reassess your plan every six to 12 months to be sure it\u2019s still meeting your needs. \u201cThe plan you build today might not work for you tomorrow<\/span>. The plan we build today is a work in progress. Rome was not built in a day.”<\/p>\n

Do you have the coverage you think you do?<\/strong><\/p>\n

Insurance is an important part of an investment strategy — does your plan cover what you think it does?<\/p>\n

You want to have the insurance you think you have when you need it the most. Unfortunately, many people don\u2019t know what they have because no one took the time to explain it to them.<\/p><\/blockquote>\n

Having insurance that doesn\u2019t meet your needs can almost be as bad as not having any at all. \u201cYou might think that the insurance you have through your employer\u2019s benefit plan is enough, but did you know that those often expire at age 65? And if you move to a new employer that doesn\u2019t offer health benefits and your health isn\u2019t great, you may not be able to get other coverage. It\u2019s better to access even an inexpensive policy than none at all. You can start small, but you need to at least start.\u201d<\/p>\n

Mortgage insurance is another option that can be confusing. \u201cWith traditional mortgage insurance, your bank receives the funds. If you have your own policy, you can spend that money on your immediate needs which would include mortgage payments but maybe not your entire principal. Your mortgage also decreases over time, which means you don\u2019t need to insure it forever.\u201d<\/p>\n

And in 2017, life insurance rules will change, says Natalie. \u201cIt\u2019s going to take a higher death benefit to get the same cash value out of your policy. Everyone will need to take a good look at their plans to be sure they still provide what you want them to.\u201d<\/p>\n

RRSPs aren\u2019t for everyone<\/strong><\/p>\n

While a Registered Retirement Savings Plan (RRSP) can be a good strategy for some, it may not be the best fit for everyone, says Natalie. \u201cIf you will receive large pension payments, an RRSP might not be the right fit for you. A Tax-Free Savings Account can also be used as a long-term vehicle for growth to get the most tax-free savings you can.<\/p>\n

You also want to make sure you\u2019re in line with your tax strategy. Natalie works with her clients accountants to ensure that your financial plan fits with your tax strategy.<\/p>\n

\"IG-banner\"<\/p>\n

Putting the puzzle together<\/strong><\/p>\n

Investors Group can help you pull together all of the pieces of your financial plan, says Natalie. \u201cWe can do mortgages, we can do full life insurance, we can do investments. We offer all that banks offer but we can do it from the comfort of your own home and we are extremely competitive. And we have a big network of mortgage, insurance and investment specialists that we can work with to devise a plan that works for you no matter how complex your needs and goals are.\u201d Investors Group is 90 years old and manages more than $200 billion in assets.<\/p>\n

Natalie understands that creating a financial plan is a long-term commitment. \u201cWe have to look at how it all interconnects. I work with you from the time you\u2019re ready to get started through retirement and beyond. I review your plan every year and help you add the puzzle pieces until you have everything in place.\u201d<\/p>\n

This is a sponsored story paid for by the featured advertiser<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cYour financial strategy needs to be in line with your goals,\u201d says Natalie Gallagher, a consultant with Investors Group. \u201cYour investments should get you where you want to go and […]<\/p>\n","protected":false},"author":1903,"featured_media":12779,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31,28],"tags":[26],"class_list":["post-12778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sponsored-profile","category-community","tag-breaking"],"acf":[],"yoast_head":"\nWill your financial strategy get you where you want to go? - Huntsville Doppler<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/doppleronline.ca\/huntsville\/financial-strategy-natalie-gallagher\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will your financial strategy get you where you want to go? 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