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Planning Pyramid

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The Financial Pyramid is a visual aid to help understand the necessarily steps to pursuing financial freedom, just like a pyramid it has several layers starting from the base to the tip. If you climb the financial pyramid in the specific order and one level at a time you should have a sound financial plan and be able to weather short periods of financial hardship without jeopardizing long term goals.

<strong>Protection</strong>

Protection

This crucial stage in planning will provide you with a cushion, in case of an unexpected event causing you to dig into your savings or jeopardize your long-term financial goals.

  • Life & Disability Insurance
  • Will & Power of Attorney’s
  • Debt Reduction
  • Emergency Funds
<strong>Savings</strong>

Savings

This is the stage most people start their financial plan to gain financial freedom. The purpose here is to build your wealth and diversity of investments.

  • Retirement Planning
  • Home Ownership
  • Mutual & Segregated Funds
  • Regular Reserves
<strong>Growth</strong>

Growth

As an extension to the second level, you can start building non-registered investment portfolios and detailed investment strategies for growth.


We will consider;

  • Tax-Free Savings Accounts
  • Stocks & Bonds
  • Mortgage Paydown
<strong>Risk</strong>

Risk

This phase is addressed once you have reached a level where your debt is low or zero, you have enough retirement funds and wealth accumulated in your investments.

  • Real Estate

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