Finishing school and entering the workforce is both an exciting and daunting transition in life. The prospect of acquiring your first home, vehicle, and credit cards can be exhilarating, but it's crucial not to forget about paying back student loans, saving, investing, and securing adequate insurance.
Understanding how to prioritize your responsibilities is key to getting a good head start. Getting married is one of the most satisfying and exciting changes in your life. A Carte advisor will be there for you during this new start resolving any issues in an efficient and timely fashion. Buying a home, whether you are a first-time home buyer or a seasoned purchaser, is very exciting and can bring a lot of changes to your life and lifestyle.
Understanding how to prioritize your responsibilities is key to getting a good head start. Getting married is one of the most satisfying and exciting changes in your life. A Carte advisor will be there for you during this new start resolving any issues in an efficient and timely fashion. Buying a home, whether you are a first-time home buyer or a seasoned purchaser, is very exciting and can bring a lot of changes to your life and lifestyle.
Services
About Us
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Carte Wealth Management Inc. and Carte Risk Management Inc. believe financial planning is a process and not a product. The practice is structured around multi-generational planning - keeping wealth within the family, integrating all financial aspects and not just focusing on one piece of the puzzle (such as investments).
Financial Planning
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The Financial Planning Process is comprised of five essential elements: cash flow management, risk management, tax planning management, investment planning management and estate planning management. During the process of developing a financial plan, each component must be properly addressed. We believe it is imperative to take the time necessary to learn who you are and what is important to you.
Investingadvice
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When you use the money you have (your principal) to purchase assets that have the ability to increase in value you are investing. Over time you will accumulate these assets such as mutual funds, bonds, or stocks and you will see that your financial security and net worth will have grown during this period.
Registered Education Savings Plan RESP
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The government may add to your RESP contributions (up to a maximum of $500.00 per year, per child) with the Canada Education Savings Grant (CESG). The CESG is payable until the end of the calendar year in which a child turns 17, and the maximum lifetime CESG payment is $7,200.00. Although contributions are not tax-deductible, all investment income generated in the RESP is tax-sheltered as long as it remains in the plan.
Non-Registered Account OPEN
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OPEN plans allow individuals to build additional savings beyond the maximum amount you can invest in registered plans, and can be used to save for short or long-term goals. OPEN plans are generally used by investors in conjunction with Registered Retirement Savings Plans (RRSP), as this allows investors to invest the tax savings generated by the RRSP into the OPEN plan.
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