Disability Tax Refund Review Offer: Disability, Caregiver, and Aging Parents

Tax Credit Review.  See if you qualify for $15,000 or more!  Many people do not realize they may qualify for federal and provincial tax credits.

Obtain Your Portfolio Analysis and Financial Review

Set a no obligation, complimentary portfolio analysis and financial review with Joanne David BA CFP FCSI.

Book a No Obligation Appointment TodayMake an Appointment Now Joanne David BA CFP FCSI financial planning and insurance solutions.     Joanne David BA CFP FCSI financial planning and insurance solutions.

Life Insurance and Insured Investments are offered through Canadian Financial Strategies, Inc.

Offering insured investments, term and permanent life insurance, annuities, health & dental, private health services plans.  Have you sheltered all available investments?   What are you worth to your family and loved ones?

Book an Insured Investment or Life Insurance Review

Mutual Funds offered through Keybase Financial Group

We take an independent, integrated financial planning approach to your long-term financial needs. Our solutions include financial & tax planning, mutual fund investments, GICs, and bank products.

Book a No Obligation Appointment TodayBook Your No Obligation Financial and Portfolio Review

Joanne David CFP FCSI Joanne David CFP FCSI

MFDA

www.MFDA.ca

We can help you achieve the life you perceive.

Set a no obligation financial planning and portfolio analysis with Joanne David CFP FCSI. Review your bottom line today.

Joanne David CFP FCSI financial planning and insurance solutions.     Joanne David CFP FCSI financial planning and insurance solutions.

Joanne David CFP FCSI Financial Planning and Insurance Strategies When a spouse dies Joanne David CFP FCSI Financial Planning and Insurance Strategies
A successful financial plan starts with a family budget of income & spending

Set a no obligation family financial budgeting analysis with Joanne David CFP FCSI. Review your bottom line today.

Joanne David CFP FCSI financial planning and insurance solutions.     Joanne David CFP FCSI financial planning and insurance solutions.

Joanne David CFP FCSI Financial Planning and Insurance Strategies When a spouse dies
We are are here for you when you experience a loss of a loved one.
Joanne David CFP FCSI Financial Planning and Insurance Strategies When a spouse dies

Set a no obligation will and estate planning analysis with Joanne David CFP FCSI. Review your bottom line today.

Joanne David CFP FCSI financial planning and insurance solutions.     Joanne David CFP FCSI financial planning and insurance solutions.

Joanne David CFP FCSI Financial Planning and Insurance Strategies When a spouse dies Joanne David CFP FCSI Financial Planning and Insurance Strategies When a spouse dies
Financial Gardening
Estate Planning may be the most important thing you ever do.
Joanne David CFP FCSI Estate Planning Strategies

Set a no obligation will and estate planning analysis with Joanne David CFP FCSI. Review your bottom line today.

Joanne David CFP FCSI financial planning and insurance solutions.     Joanne David CFP FCSI financial planning and insurance solutions.


Joanne David CFP FCSI Estate Planning Strategies Joanne David CFP FCSI Estate Planning Strategies

Best Mobile Apps for Your Personal Budgeting

Sometimes as a financial planner I offer to meet with my client's child or grandchild. I usually like to talk about budgeting and long term vision of creating a written financial plan. It always amazes me how ill-equipped parents are in educating their kids about basic budgeting. It was during one of these meetings that I was asked about mobile budgeting. Turns out I was the one ill-equipped. I hadn't a clue so I decided I better start to research the best mobile applications for personal budgeting. This article is the result of what I found in the realm of personal budgeting apps. A great list if I do say so myself!
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Discovering the Secrets of the Edmonton Millionaire

My spouse and I moved to Edmonton in 2001, from Vancouver. My spouse is an engineer and Alberta was the land of opportunity for him. I had worked in the financial services industry for a long time at that point, and most recently as an independent financial consultant to those families we in the industry […]
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The Edmonton Millionaire Next Door

Over the years I have worked with many different types of people, from many different professions. Interestingly, the people that do well financially are not always those that you think. The true Edmonton ‘millionaire next door’ is often a surprise. Below, I contrast my experience with a well educated, quick thinking (and quick at investing) […]
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How to Budget (For People Who Hate to Budget)

This article is about budgeting tips for people that really hate to make a budget. Trust me, unless you are an accountant or financial planner, I am pretty sure that likely means you! If there is one thing I learned in financial planning is that you must have a written plan. That always starts with a written budget of your household income and family expenses. In my family we still do this each year, and I am always amazed what even a minimalist like me spends money on.
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Top things I’ve Learned About Investing

I have been in the financial services industry for a couple of decades. There are a few things I have learned about investing and managing money, and about my clients. Here are the top things I have learned about investing: No two investors are the same I have worked with a lot of amazing people. Not one person or couple or family, has the same goals or thinks the same about their present and future financial plans. It never stops to amaze me this uniqueness.
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Loss of your Spouse: 12 Practical Financial Steps

What to do after you lose your spouse? Hopefully, this article will help with the financial steps that need to be undertaken in this confusing time. Below are the main first financial steps that need to be completed. When your spouse dies, it can be traumatic. First off, you need to allow yourself time to grieve. Yet, there are important financial steps that are best to make sooner than later.  Often is the case that you are your spouse's will administrator. It is my hope that this list of essential to do items will assist you in handling the main financial items that are needed to be done sooner than later.
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