FINANCIAL PLANNING SERVICES
What is Financial Planning?
Financial planning is a continuous endeavor that takes into account all aspects of your finances with the aim of developing strategies to achieve both your immediate and long-term objectives. By engaging in this process, you can gain clarity regarding your current and future financial well-being, while also considering retirement and estate planning needs.
What is the cost of a Financial Plan?
At Stark & Marsh, our accounting clients benefit from a complimentary Financial Planning services and the review of any existing insurance policies.
Financial planning with Stark & Marsh is continuously reviewed and adapted in real-time to accommodate any changes that may arise. We firmly believe that Financial Plans serve as the cornerstone for informed financial decision-making, and we are committed to providing our clients with access to a dedicated Wealth Advisor who will work closely with their Stark & Marsh accounting team.
Documents Required
Some key documents that you should plan to gather when discussing financial planning services with your Stark & Marsh advisor could include:
Income Tax Returns: Bring your last two years’ income tax returns. This gives the financial planner an idea of your earnings and tax liabilities.
Pay Stubs: Your most recent pay stubs can provide a clear picture of your income and deductions.
Bank Statements: These can show your saving and spending habits, as well as your current bank balance.
Investment Documents: If you have investments, bring statements or documents related to them. These can include retirement accounts, brokerage accounts, or individual stocks and bonds.
Insurance Policies: Bring documents related to life, health, home, and auto insurance. These can affect your financial planning, especially in the area of risk management and estate planning.
Real Estate Documents: If you own property, bring mortgage statements, deeds, and rental income statements if applicable.
Debt Statements: If you have any debts, like student loans, credit card debts, or car loans, bring recent statements showing how much you owe and your payment schedule.
Estate Planning Documents: If you have a will, power of attorney, or trust documents, bring these as they can impact your financial planning.
Budget or Expense Tracker: If you keep a budget or track your expenses, this information can be very helpful in a financial planning meeting.
Pension Statements: If you have a pension plan, bring your most recent statement.
Business Documents: If you own a business, bring your financial statements, such as balance sheets and income statements.
The Importance of a Financial Plan Video Series
Follow along as we review each step within financial planning at Stark & Marsh
It is important to keep in mind that constructing a financial plan is a continuous endeavor that requires regular assessment and adaptation. Our dedicated team remains committed to maintaining open communication with you, so that we can promptly modify your financial plan as circumstances evolve.
WEALTH MANAGEMENT TEAM
CANDACE GELLETA
CFP®, RRC®, SENIOR WEALTH MANAGEMENT ADVISOR
Candace has worked in financial planning since 2014 and holds both her RRC® and CFP® designations. She helps Stark & Marsh clients create personalized financial plans that consider retirement, insurance, estate, and tax needs. Candace collaborates closely with accounting and tax advisors to ensure a full-picture approach. Through a referral agreement with TriCert Investment Counsel Inc., she connects clients with portfolio managers for tailored investment strategies—offering an integrated, customized planning experience. Learn more by visiting Candace’s biography page.
JANICE BISSONNETTE
ENGAGEMENT COORDINATOR
Janice plays a key role in coordinating financial planning engagements at Stark & Marsh. She works closely with clients to gather financial information, organize documents, and ensure accuracy and confidentiality. Janice supports the planning team by preparing reports, managing schedules, and keeping communication clear and timely. Her coordination helps deliver tailored financial plans and ensures a smooth, goal-focused experience for clients. Learn more by visiting Janice’s biography page.
Portfolio and Investment Fund Manager
Through a referral arrangement, Stark & Marsh Wealth Management Services offers you direct access to TriCert Investment Counsel’s portfolio management services. Seamlessly working with your Stark & Marsh CPA LLP Accountant and your Stark & Marsh Wealth Management Services Financial Planner, your TriCert Investment Counsel’s Portfolio Manager takes a quality sector-based (QSect) approach to tailor an investment management strategy that is specific to your unique circumstances designed to meet your goals and provide peace of mind through volatile markets.
TriCert Investment Counsel is registered as a Portfolio Manager with the Ontario Securities Commission (OSC) in Ontario, its principal regulator, and with each relevant securities administrator in all other jurisdictions across Canada. TriCert Investment Counsel is registered as an Investment Fund Manager in Ontario. Today, TriCert Investment Counsel proudly manages over $3 billion in assets on behalf of thousands of clients.
To learn more, visit TriCert.ca.
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