EXPERIENCE

We have over 25 years' experience in dealing with tax, estate, insurance, investment and retirement planning; as well as special situations that require our specific expertise and experience.

PERSONALIZED

We are a fee-only financial planning firm which provides a highly personalized service with a focus on helping clients in their decision-making process. Check out our services for more information.

UNIQUE

Our fee-only model allows us to remain objective in our recommendations as we have no vested interest in favouring one recommendation over another. We take a very pro-active approach in implementing our recommended strategies.

OUR CLIENTS

Our clients include corporate executives, professionals, business owners and retirees. We do not just hit a button and produce a generic financial plan. We take the time to analyze clients’ needs and create a customized plan fitted to each client.

WHO WE ARE

At CNAL Financial Planning we pride ourselves on taking an objective view of our clients’ financial situations.

As a fee-only financial planning firm we help clients gain a global perspective of their financial situation.

As a result, our approach is totally impartial in addressing our clients’ objectives and needs. We take a very proactive approach in implementing our recommended strategies.

Over the years, we have developed a network of external professionals such as lawyers, notaries, investment specialists with whom we deal and who offer our clients competitive fees.

OUR CREDENTIALS

Caroline Nalbantoglu has over 25 years experience in Financial Planning Services and the following credentials

• Member of the Order of Chartered Administrators of Quebec (Adm.A.,Pl.Fin.)
• Certified Financial Planner (C.F.P.)
• Registered Financial Planner (R.F.P.)
• B. Admin. From Concordia University.

WHAT WE DO

• Tax and estate planning
• International and interprovincial transfers
• Canada/ U.S. cross boarder issues
• Stock options and employee benefit plans
• Pension plans
• Cash flow and debt management
• Termination counseling
• Separation and divorce counseling
• Tax return preparation

ESTATE PLANNING

• Review of current wills
• Will set up
• Impact of marital regimes
• Family patrimony issues
• Use of trusts
• U.S. estate tax exposure

RISK & INSURANCE ANALYSIS

• Review of current protection
• Life Insurance needs analysis
• Disability insurance needs analysis
• Critical insurance needs analysis
• Home insurance analysis

INCOME & TAX PLANNING

• Income splitting
• Tax minimization strategies
• Expatriate issues
• Income tax preparation
• Impact of legislative changes
• Stock options

INCOME & INVESTMENT PLANNING

• Asset allocation analysis
• Optimization of dividends, capital gains, interest income
• Debt management
• Investment monitoring
• Pension plan analysis
• Budget analysis

RETIREMENT PLANNING

• Annual income & expense projection
• Annual net worth projection
• Calculation of optimal expenses
• Calculation of required savings
• Estimate of company pension income
• Recommendations on how to achiveve retirement objectives

CNal Financial Planning Inc.