Examples of Doreen's financial consultations:

• Cash flow planning when you have a specific goal that you want to achieve i.e. save for down payment on a home, have enough money to help a child with college costs or fund a specific vacation plan and with those of you having trouble paying your bills on time.

• Analysis of retirement or early retirement incentives that you receive and are being contemplated.  Current levels of spending and savings plus entitlements for company, government programs and pensions will be reviewed. A retirement income projection can be done so you will have a better idea of where you will stand if you choose to accept the offer.

• Facilitates conversations between family members or spouses when there are conflicts about money or when you want to engage others in the management of your family’s resources.  Conversations are more productive when you have good data or reports to consider.  Programs like Quicken can generate itemized expenditure reports that can be used to make decisions about how resources are being used.  Goal setting exercises can help everyone understand each other better and this information can be used to formulate a spending plan that incorporates the priorities of each person involved. 

• Develops debt repayment strategies for those of you that can no longer make timely payments on your debts.  Referrals to community resources and bankruptcy trustees will be made when required.

• Cash flow planning if you are trying to organize your life as a result of separation or divorce and finding that there doesn’t seem to be enough money to go around. Doreen is well versed in dispute resolution options and can make referrals to community services and lawyers or mediators as appropriate. 

• Cash flow planning for employees in transition because of downsizing or termination.  Strategies are identified so that you can make the best use of the resources and challenges or opportunities at hand i.e. accessing your pension, using bridging to your advantage, budgeting during transition, making RRSP contributions (including rollovers) and saving on taxes.

• Doreen’s analysis can help you assess the true benefits and costs of your options.  Her recommendations will be objective and in your best interest. Since fairness of the severance being offered is not covered in our consultation process, you will be encouraged to seek legal advice regarding this issue.