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.
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.
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 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.
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
We understand that high income earners have little time to devote to their own financial affairs and need someone to oversee and coordinate their own finances, while they concentrate on their careers and families. We are proud to offer a holistic approach to financial planning. Our comprehensive plans are based on the big picture and encompass all aspects of a financial plan.
- 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
- 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
AS A FEE-ONLY FINANCIAL PLANNING FIRM WE HELP CLIENTS GAIN A GLOBAL PERSPECTIVE OF THEIR FINANCIAL SITUATION.
NEARING 50 AND IN DEBT
Couple, 49, with large debts but substantial assets — mostly in real estate — and income want to retire at age 59 Sell unproductive assets — a trailer and lot they use occasionally — to reduce debts, plan income to cover future expenses
SINGLE MOM, 53, NEEDS HELP
In Quebec, a single mom we’ l l call Charlotte, 53, has seen her daughter, 22, through university. Charlotte’s life in financial terms is based on her middle management job with a large financial business which provides $ 3,974 monthly take home income. Unfortunately, it’s not enough to pay her bills which add up to $ 4,609 a month.
ALBERTA WOMAN, WHOSE INCOME HAS DRIED UP AND HOME VALUE PLUNGED, NEEDS A SURVIVAL STRATEGY FAST
In Quebec, a single mom we’ l l call Charlotte, 53, has seen her daughter, 22, through university. Charlotte’s life in financial terms is based on her middle management job with a large financial business which provides $ 3,974 monthly take home income.
RETIREMENT PLANNING 101
As a financial planner, my job is never who have been transferred abroad who need advice; I have clients who need help with their estate planning, insurance planning, divorce issues, cash flow planning etc.
A LITTLE MARKET SAVVY
Woman’s huge debts and costs of paying child’s tuition make it impossible to retire with desired income Use line of credit to pay high interest debt, economize to boost savings, retire with adequate income.
YOUR CORPORATE BUYOUT OFFER
Buyouts are often a polite term for getting fired with benefits, but there are cases when the employee can negotiate terms with the employer, arrange the timing — such as getting cash benefits paid over a two year period to reduce the tax bite...
LA VIE APRÈS LE REER
On passe sa vie à tenter de contribuer le plus possible à son Régime enregistré d'épargne retraite. On nous incite d'ailleurs fortement à commencer à le faire le plus tôt possible dès notre vie de jeune adulte. C'est bien beau de passer sa vie à chercher à faire fructifier son REER mais comment en dispose-t-on une fois à la retraite? Bref, c'est quoi la vie après le REER?