Financial Services

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Thoughtful Investment & Protection Planning

For many professional women entrepreneurs, financial planning isn’t just about returns—it’s about structure, flexibility, and long-term clarity.

At Big Picture Financial, financial services are approached through the same lens as protection planning:

how everything fits together, today and into the future.

This includes Registered and Non-Registered Investments, and where appropriate, insurance-based solutions such as Segregated Funds.

Registered Investments form the foundation of many long-term financial plans.

We help clients understand and plan around:

• RRSPs (Registered Retirement Savings Plans)
  Designed to support long-term retirement planning with tax-deferred growth.
• TFSAs (Tax-Free Savings Accounts)
  Flexible accounts that allow for tax-free growth and access when needed.
• RESPs (Registered Education Savings Plans)
  Used to support education funding while maximizing available government grants.

Planning around Registered Investments isn’t just about contribution limits. It’s about how they align with income, business structure, and future goals.

Once Registered Investments are optimized, Non-Registered planning often becomes part of the conversation.

Non-Registered Investments may be used to:

• Build wealth beyond registered limits
• Support future lifestyle flexibility
• Plan for business transitions or time away from work
• Integrate with estate and legacy planning

These strategies require careful attention to tax efficiency, ownership structure, and long-term intent.

Segregated Funds are investment solutions offered through insurance contracts.

They combine market participation with built-in planning features that can be useful in certain situations.

Depending on structure, segregated funds may offer:

• Estate planning advantages through direct beneficiary designations
• Potential creditor protection (in specific circumstances)
• Guaranteed death or maturity benefits
• Smoother transfer of assets to beneficiaries
• An added layer of protection alongside growth-focused investments

They are not for everyone, and they’re not meant to replace all traditional investments.

They are used intentionally, when their features support a broader financial and protection plan.

Financial services planning at Big Picture Financial is especially relevant for women who:

• Are business owners or incorporated professionals
• Have variable or growing income
• Are balancing family, business, and long-term goals
• Want clarity around how assets are structured and transferred
• Value protection alongside investment growth

The focus is not on selling products — it’s on understanding which tools support your real life.

Financial services planning often includes thoughtful discussion around:

• How income is earned and accessed
• Registered vs. non-registered strategy
• Tax considerations over time
• Ownership and beneficiary structure
• Integration with insurance, business, and estate planning
• Whether additional protection features add meaningful value

Our role is to explain options clearly, so decisions are made with confidence, not pressure.

Investment conversations are often driven by urgency or performance comparisons.

That approach doesn’t serve most people well.

At Big Picture Financial, the focus is on:

• Clear explanations in plain language
• Thoughtful, unbiased guidance
• Planning that considers both family and business
• Decisions that fit your long-term picture

This is planning — not pressure.

As your income, business, or family situation evolves, financial strategies should evolve with it.

Changes such as:

• Incorporation or business growth
• Increased assets
• New dependents or responsibilities
• Shifts in goals or risk tolerance

May warrant review — not because something is wrong, but because life changes.

Do your investments support not just growth — but clarity, protection, and long-term intent?

If you’re unsure, that question alone is worth a conversation.

If you’re a professional woman entrepreneur seeking clarity around financial services, investment planning, and protection strategies — whether you already have accounts in place or are reviewing options — you’re welcome to book a confidential planning conversation.

This is not a sales call.

It’s an opportunity for clarity.

This is a conversation, not a commitment.