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Your Financial Journey
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Financial Resources: Tools for your Success
Explore the essential resources and documents provided here to effectively articulate and address your financial objectives and requirements
Advisor Disclosure Form
This form provides essential information about my services and how we will work together, fostering transparency and trust. My goal is to ensure you fully understand the services offered and the structure of our relationship.
This disclosure is a necessary step to ensure compliance with industry regulations and is required to move forward with our advisor-client relationship. Please review it carefully and feel free to ask any questions.
Expert Financial Analysis: Proper Protection, Debt Freedom, and Financial Independence
Expert financial analysis is your roadmap to a secure financial future, covering everything from protection to debt freedom to financial independence. Sure, it might take a little time now to gather all the info, but think of it like planting seeds today that will pay off in spades later when your financial garden is in full bloom!
I get it—data collection can feel a bit like pulling teeth (I promise it’s not!). But don’t worry, I can walk you through the process step by step, or if you’re feeling adventurous, you can dive in and fill it out online right now. Either way, we’ve got this!
More Financial Resources
Merwin Financial is committed to providing comprehensive education, equipping you with the optimal resources necessary to make informed and prudent financial decisions. Here are the resources and documents that you need to establish your financial wants and needs.
For more information on educational resources to shape your financial future, please get in touch with me.
How Does an Investment Fund Work?
Knowing how investments funds work is imperative to beginning your savings journey. They have some basic components that make up how they function and how they are funded. This will break that down to visuals how the funds are funded and then applying those funds to the companies in your fund.
Become an owner, not a loaner
Ever wonder how banks invest your money when they promise you guarantees. How can they be making any money when they offer you low of lowest guaranteed returns? That’s because they invest it directly making massive profits and then share that profit with you, the difference is they are making more money than you are this way. Through direct investing you can get those returns all to yourself and stop sharing with the big banks.
Famous last words
Don’t let excuses get in the way of your financial freedom and security. It’s never to late to build and grow your estate and savings. Retirement doesn’t have to be a sticker shock. Are you making any of these excuses?
The power of systematic investing
Confused about when to buy into funds and investments? The news make it seem complicated or giving information that seems confusing…. This illustration explains how buying lows and not just going with hope and only following good returns is actually good. Market volatility is your ally when doing periodic contributions. Visuals are the best way to explain tis methodology. It’s all a out the shares you own and quantity, not just the value of your savings book. See if you can see the winner here.
The rule of 72
How the number 72 in growth calculations is your largest ally. Albert Einstein’s there sits as the major corner stone of how to grow wealth even to this day. This is the best and simplest way of showing quickly how percentages work best for you. Test your knowledge of how compound truly works and see how maybe some common misconceptions have either held back your knowledge or left you wondering how time is your best ally when saving.
The magic of compound interest
Every wonder how your money grows on a year by year base and the power of starting early as opposed to later. This will show you how someone who started there financial journey younger, compounded with knowledge of the Rule of 72, still outpaced someone who started later in life and contributed for longer. It’s always about how much you make and put away, it has to also do with time.
RRSP strategies
Common misconceptions of RRSP’s sometimes olds people back and can be extremely costly over many years of not maximizing this power savings tool. In some cases if you don’t have the immediate funds a loan is a good solution even with interest on the loan. Your tax brackets are sometimes a huge cost to your income, so why not explore how to maximize deductions of this manner and keep more of your income to yourself year over year while growing it tax deferred for retirement.
SEGREGATED vs MUTUAL FUNDS
People commonly equate all savings to MER’s and costs of that nature. But they over look many other components that can be quite costly if not planned for. Segregated VS Mutual illustration explains the benefits of this investment vehicle. See how one offered promises, guarantees and security over the other. It may be for you!
Financial News
Governing Bodies
Embark on Your Financial Journey:
Start your journey to financial prosperity with Merwin Financial. We invite you to reach out for a personalized consultation and discover how we can collaborate to achieve your financial goals.
Your financial specialist
Brandon Merwin
Life Licensed Qualified Professional.
Financial & Estate Coordinator.
Certified Personal E-file Tax Preparer.
