There is an old proverb, “A vision without a plan is just a dream, a plan without vision is drudgery, but a vision with a plan can change the world.”
For over 20 years, co-owners Ab Hesselink and Jason Jack have been providing their clients with the tools to make their dreams reality, utilizing a step-by-step approach to controlling their finances, taking the drudgery out planning.
“A financial plan is not a one-size-fits all solution,” says Jack. “We will work with you to create a plan that is tailored to your specific needs and life goals. Your goals are as unique as you are. So whether you are looking to buy a home, take that dream vacation or ensure the people you care about are looked after, a financial plan will help you get and stay on track to achieving what you want out of life – as well as your desired lifestyle along the way.”
“Being independent allows us to always focus on our clients’ needs without corporate agendas, sales goals and conflicts of interest. The plan is the framework, the products fill the plan,” says Hesselink.
“No matter where you are on your financial path, we will walk it with you each step of the way. Your success is our priority,” says Jack. “A financial plan is all about balance; it is not about depriving yourself today for some unknown day in your future. We understand priorities change at different stages in your life, and it is important to re-evaluate and adjust your plans accordingly.”
Hesselink added, “Navigating your way through all of the financial choices in life can be tough. Being at different stages in our lives, we can offer our clients unique insight, and provide solutions as diverse as our clients, regardless of the stage.”
Here are just a few of countless scenarios that highlight how Hesselink Jack & Associates can help you transform your dream to a plan and change your world.
Teens seek to be “in control” of their money. For parents, guiding their teenager to save more and spend less can lead to very frustrating conversations. Introducing teens to financial goal setting can start at an early age with easy to follow advice put into practice. Hesselink Jack & Associates are here to help with the process, and to assist teenagers with adjusting plans to ensure they have enough to spend, while building their savings for that new car or education.
Newly engaged and recently wed couples may have different priorities and goals. Sitting down for an informal discussion with Hesselink or Jack may help define and align these priorities, and help to develop plans for achieving these dreams whether it be taking a trip, buying your first home, or planning a family. We also help you consider how you can sustain your lifestyle if you experience job loss, or sudden onset of health issues.
Once a baby arrives in a family, priorities change, and a financial plan needs to be flexible and realigned to the new addition(s) and those big dreams a couple has for their children. University, college or trade school tuition can help guarantee their future. Rising costs make it nearly impossible for students to handle the expenses on part-time employment. Parents want the best for their children, and financing will not be a problem for those that have prepared early. Government programs are available to supplement regular savings. This is also the point in most families’ lives where the “what-ifs” come into play. An independent review of your will and insurance, in conjunction with employer benefits, will ensure your family is protected from unexpected events, Hesselink and Jack advise.
For owners of businesses or farms, the company works alongside a client’s accountant to capitalize on as many opportunities possible to look after their hard-earned income. Health savings plans, insurance, along with group RSPs to offer employees are all available options. When the time comes to wind down the business or pass along to a successor, Hesselink and Jack understand the financial implications, and will provide guidance to ensure a successful transition.
Everyone has a “bucket list” of what they want to do when they retire. Whether it be travel for pleasure, taking part in service mission trips, or a spending time at a retirement residence or cottage.
“This is where we take your goals, and ensure your income is aligned to support them. We will guide you through the various social programs available and align them within your works pension plan, and turn your savings into an income stream,” the company states.
“We understand that there are many people out there that feel ‘finances are too complicated’ or who just don’t have the interest about learning more. You would like to save more, or be more prepared for emergencies, but you just don’t know where to begin. We will review your unique situation, and help you gain a foot hold on your future.”
Financial planners are not equal. If a client is not comfortable enough to be honest with their planner, the likelihood of successfully attaining goals is dramatically reduced. For those seeking a no-obligation, complimentary review of their investments and life/disability insurance coverage, Hessenlink Jack & Associates would be happy to provide analysis, with no charge for the advice.
Below you will find a list of services and products offered at Hesselink Jack & Associates. Call 519-638-3328 or email either jason@hesselinkjack.ca or ab@hesselinkjack.ca to start the conversation and get closer to feeling on track with your financial affairs.
Services include: financial planning, estate planning, tax planning, debt management, retirement planning, income tax preparation.
Products include: investments, RRSP, RRIF, GICs, tax free savings, life insurance, disability, mortgages, education savings, 1st time home buyers, lines of credit, travel insurance.
