Intro ~ Home ~ Personal Financial Tools

The tools available here are free for personal use only. By downloading and using these tools you assume all responsibility for the outcome experienced. These tools are for illustration purposes and many factors can affect the outcome of your planning and these tools can help you move closer to your goals.

The tools listed in the lower section require detailed planning to be used accurately and properly. They are made accessible to clients during and after the planning process.

Monthly Budget Tool - Allows the user to set a monthly budget for the year and simultaneously track performance to actual as each month passes. Actual-to-budget comparisons allow the user to analyze their performance both on a month-to-month basis.

Debt Reduction Calculator - This is a great tool produced by www.vertex42.com. You can simulate a handful of different strategies to reduce your debt and choose the one that does it most effectively.

Canadian Mortgage Calculator - Another great tool produced by www.vertex42.com. This tool will show you the details and amortization for a mortgage in Canada. Ever wondered what you will pay your bank in interest on a conventional mortgage? You will be surprised!

Available to Clients During the Planning Process

Personal Viewpoint - A comprehensive questionnaire that I use with each client to empower them to drive the planning process. In only a short time this tool will help you asses each of the major areas of personal finance and give direction and purpose to your goals.

Financial Overview - A simple set of financial statements for your personal situation. This is a starting point for all of my planning clients. The information in this document will guide you in making wise decisions for your financial future.

Estate Development Program - What is an Estate? How is it different from your will? What would the shortage in your estate be if you were to die tomorrow? Would you have adequete assets to cover that shortage? This tool puts you in the drivers seat and makes short work of planning your estate needs.

Estate Directory - A collection of important names, locations and information that you or your family may need in the event an emergency. This tool allows the people you care about to be contacted immediately and have the information and decisions you set out in your plan.

Retirement Planning Tool - How much income do you need to retire? How much do you want to retire? How will inflation affect your retirement nest egg? How much do you need to start saving today? How might leveraging affect your progress? At what interest rate do your investments need to grow? All these answers are only minutes away in a simple customized report once we sit down and start asking some questions!

Leveraging Home Equity Illustrator - Use your sleeping equity to accelerate your retirement plans. Also known as the "Smith Manoeuvre", this tool illustrates what your situation could yield if you were to implement this strategy.  This illustrator  also shows a few added advantages that come from using certain types of investments and leveraging products you may not have heard of elsewhere.

Office 2007 Compatibility Update - Update Microsoft Office 2003 or older to be able to work with files created by the newest version of Microsoft Office 2007 (This link connects directly to the Microsoft Office website)