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The first step to financial or retirement planning is to do a Financial Needs Analysis.

As part of the FNA process, your financial advisor representative gathers information on your overall financial situation and goals, analyses the information and recommends an investment product or plan that is considered to be suitable for you. You will need to consider the recommendation carefully and assess whether the investment product or plan meets your needs.

Any good financial advisor or representative should always do an FNA before making any recommendations, and it is required by anyone holding a license to do business.

A FNA gathers all pertinent information on yourself and/or your spouse, including:

  • Age

  • Health

  • Financial Objectives

  • Risk Tolerance

  • Employment Status

  • Assets and Liabilities

  • Cash Flow and Income

  • Life Insurance

  • Beneficiaries

  • Trusts

  • Special Situations

With this information, a qualified financial advisor can now work with you to make a proper assessment of your overall financial situation.  When finished, a personalized plan can be put in place to insure your financial security and a comfortable retirement.