{"id":4847,"date":"2024-11-18T18:49:37","date_gmt":"2024-11-18T23:49:37","guid":{"rendered":"https:\/\/planico.ca\/planification-financiere-particuliers\/"},"modified":"2025-01-30T12:52:09","modified_gmt":"2025-01-30T17:52:09","slug":"financial-planning-individuals","status":"publish","type":"page","link":"https:\/\/planico.ca\/en\/financial-planning-individuals\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:62;line-height:1.0;\"><h1>Financial Planning<\/h1><\/h1><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:24;line-height:var(--awb-typography1-line-height);\"><h2>Your Financial Planner; A Guide, A Co-Pilot, in Your Financial Planning.<\/h2><\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:72px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:calc( 1200px + 130px );margin-left: calc(-130px \/ 2 );margin-right: calc(-130px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:65px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:65px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:65px;--awb-spacing-left-medium:65px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:65px;--awb-margin-bottom-small:80px;--awb-spacing-left-small:65px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:none;--awb-text-color:var(--awb-color5);--awb-margin-bottom:12px;--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p>Individuals<\/p>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:32px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3>Financial Planning for Individuals<\/h3><\/h3><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:48px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\" style=\"--awb-text-color:#464646;--awb-margin-right:16px;--awb-margin-bottom:52px;\"><p><span style=\"color: #464646;\">When we set off into the unknown, we use a GPS to facilitate the journey, to avoid getting lost and to reach our destination more quickly. In finance, the <a style=\"color: #464646;\" href=\"https:\/\/en.wikipedia.org\/wiki\/Financial_planner\" target=\"_blank\" rel=\"noopener\">financial planner<\/a> plays the same role. Different life projects can lead to the need for financial planning. In fact, meeting with a financial planner can sometimes open our eyes to projects we thought impossible.<\/span><\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:calc( 100% + 130px ) !important;max-width:calc( 100% + 130px ) !important;margin-left: calc(-130px \/ 2 );margin-right: calc(-130px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-bottom-medium:24px;--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:65px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:65px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:65px;--awb-spacing-left-small:65px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:left;--awb-max-width:100px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"120\" height=\"120\"  src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/Planico_Icons_Services-09.svg\" alt class=\"img-responsive wp-image-4661\"\/><\/span><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:8px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:20;--minFontSize:20;line-height:1.5;\">Identify Specific Needs<\/h5><\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-font-size:var(--awb-typography5-font-size);--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Plan a strategic meeting to analyze your situation from a different angle.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:8px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:20;--minFontSize:20;line-height:1.5;\">Achieve Set Objectives<\/h5><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-font-size:var(--awb-typography5-font-size);--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p class=\"p1\">Offer transparency, objectivity and proactivity in achieving defined objectives.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-bottom:10px;--awb-padding-left:40px;--awb-bg-size:cover;--awb-border-color:var(--awb-color3);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-width-large:50%;--awb-spacing-right-large:65px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:65px;--awb-spacing-left-medium:60px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:65px;--awb-spacing-left-small:65px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-bottom:10px;\"><h5 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:20;--minFontSize:20;line-height:1.5;\">Why Choose Planico<\/h5><\/div><ul style=\"--awb-size:14px;--awb-item-padding-top:8px;--awb-item-padding-bottom:8px;--awb-iconcolor:var(--awb-custom_color_3);--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-1 type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-investment-tick\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Know-How<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-investment-tick\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Proven Expertise<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon awb-investment-tick\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>Key Results<\/p>\n<\/div><\/li><\/ul><\/div><\/div><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:var(--awb-color1);--button_border_hover_color:var(--awb-color1);--button_gradient_top_color:var(--awb-color5);--button_gradient_bottom_color:var(--awb-color5);--button_gradient_top_color_hover:var(--awb-custom_color_3);--button_gradient_bottom_color_hover:var(--awb-custom_color_3);--button_padding-top:24px;--button_padding-bottom:26px;--button_margin-top:44px;\" target=\"_self\" data-hover=\"text_slide_up\" href=\"https:\/\/planico.ca\/en\/financial-planning-individuals\/#champs\"><div class=\"awb-button-text-transition  awb-button__hover-content--centered\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Our Areas of Expertise<\/span><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Our Areas of Expertise<\/span><\/div><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:92px;--awb-padding-right:80px;--awb-padding-bottom:92px;--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:65px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:65px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:65px;--awb-spacing-left-medium:65px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:65px;--awb-spacing-left-small:65px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\" style=\"border-radius:25px;\"><img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"1479\"  src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo.webp\" alt class=\"img-responsive wp-image-4799\" srcset=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-200x296.webp 200w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-203x300.webp 203w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-400x592.webp 400w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-600x887.webp 600w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-692x1024.webp 692w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-768x1136.webp 768w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo-800x1183.webp 800w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/background-buildings-duo.webp 1000w\" sizes=\"(max-width: 810px) 100vw, 600px\" \/><\/span><\/div><div class=\"fusion-image-element \" style=\"--awb-margin-top:-550px;--awb-margin-right:40px;--awb-margin-left:-40px;--awb-max-width:525px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\" style=\"border-radius:25px;\"><img decoding=\"async\" width=\"800\" height=\"1097\" alt=\"Financial planning meeting between two women | Planico\"  src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part.webp\" class=\"img-responsive wp-image-4802\" srcset=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-200x274.webp 200w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-219x300.webp 219w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-400x549.webp 400w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-600x823.webp 600w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-747x1024.webp 747w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part-768x1053.webp 768w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planif-meeting-part.webp 800w\" sizes=\"(max-width: 810px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-custom_color_1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3>Personal and Family Circumstances<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-color:var(--awb-color1);\"><p>We analyze your family and matrimonial situation with you. We identify your objectives and evaluate current and anticipated issues, taking into account the legal aspects of your personal and family environment. Planico coordinates all the parties involved in your case to make your life easier.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-1\"><div class=\"fusion-panel panel-default panel-948af739f44c54892 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_948af739f44c54892\"><a aria-expanded=\"false\" aria-controls=\"948af739f44c54892\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-1\" data-target=\"#948af739f44c54892\" href=\"#948af739f44c54892\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Trust<\/span><\/a><\/h4><\/div><div id=\"948af739f44c54892\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_948af739f44c54892\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #ffffff;\">An Effective Strategy<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Whether you&#8217;re looking to pay less tax, plan the transfer of wealth or protect a child&#8217;s assets or interests, setting up a family trust can be an excellent strategy to consider in your financial planning.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Together, we can draw up a plan tailored to your particular situation and objectives.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-245d55a6a33c1773f fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_245d55a6a33c1773f\"><a aria-expanded=\"false\" aria-controls=\"245d55a6a33c1773f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-1\" data-target=\"#245d55a6a33c1773f\" href=\"#245d55a6a33c1773f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Separation or Divorce<\/span><\/a><\/h4><\/div><div id=\"245d55a6a33c1773f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_245d55a6a33c1773f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Separation or divorce<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Separation or divorce can happen, and in this situation it&#8217;s crucial to have a proactive strategy and action plan drawn up with professionals.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This can help you secure your assets and investments, and avoid lengthy and sometimes costly proceedings. Let&#8217;s discuss your situation, your needs and your objectives together, so that we can prepare the most appropriate proactive strategies for you.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c49d17ffd7ecf33ab fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c49d17ffd7ecf33ab\"><a aria-expanded=\"false\" aria-controls=\"c49d17ffd7ecf33ab\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-1\" data-target=\"#c49d17ffd7ecf33ab\" href=\"#c49d17ffd7ecf33ab\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Common-Living Agreement<\/span><\/a><\/h4><\/div><div id=\"c49d17ffd7ecf33ab\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c49d17ffd7ecf33ab\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Common-Living Agreement<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Couples who live together and enter into a de facto union can draw up a cohabitation contract to define each person&#8217;s obligations during cohabitation, as well as their roles and responsibilities in relation to their property.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This may involve simple possessions, as well as investments and important financial decisions.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Which is why we can help you at this important stage to establish the most appropriate strategy for your needs and objectives.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-color1);--awb-background-image:url(&quot;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/DiscutonsBesoins.webp&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Let&#8217;s Discuss Your Needs<\/span><\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Regardless of your situation, your goals and your needs, we&#8217;ll be able to put in place<\/span><br \/>\n<span style=\"color: #ffffff;\">a tailor-made strategy to help you reach your goals faster.<\/span><\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/planico.ca\/en\/financial-consultant-contact-us\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Contact Us<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-custom_color_1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3>Financial Planning for Individuals<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-text-color:var(--awb-color1);\"><p><span style=\"color: #ffffff;\">There are 4 essential areas of analysis to help you pinpoint your financial situation: cost of living, balance sheet, debt management and investments. Each of these aspects requires you to be aware of both the positive and negative aspects of your situation, so that you can identify viable solutions to improve your overall financial situation.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-four\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:24;line-height:1.2;\"><h4><span style=\"color: #b3a08d;\">4 Essentials for a Healthy Financial Situation<\/span><\/h4><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:-40px;width:100%;\"><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-2\"><div class=\"fusion-panel panel-default panel-b8a435ddb7fcb285c fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b8a435ddb7fcb285c\"><a aria-expanded=\"false\" aria-controls=\"b8a435ddb7fcb285c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-2\" data-target=\"#b8a435ddb7fcb285c\" href=\"#b8a435ddb7fcb285c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Annual Cost of Living<\/span><\/a><\/h4><\/div><div id=\"b8a435ddb7fcb285c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b8a435ddb7fcb285c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Annual Cost of Living<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">In in-depth analysis of your annual cost of living gives us a global view of the health of your finances, and enables us to identify financial opportunities to help you optimize your financial planning.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">It&#8217;s the starting point for a financial planning strategy that will help you achieve your goals.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Together, we&#8217;ll be able to draw up a plan tailored to your situation and objectives.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-96a665e1eecfe52eb fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_96a665e1eecfe52eb\"><a aria-expanded=\"false\" aria-controls=\"96a665e1eecfe52eb\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-2\" data-target=\"#96a665e1eecfe52eb\" href=\"#96a665e1eecfe52eb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Debt Level and Debt Reorganization<\/span><\/a><\/h4><\/div><div id=\"96a665e1eecfe52eb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_96a665e1eecfe52eb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Debt Level and Debt Reorganization<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">The debt-to-income ratio is an initial analysis we perform to establish a financial planning strategy.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">It&#8217;s a ratio that compares your overall income with your debts to determine your creditworthiness in the eyes of the banks. By making this calculation, we are able to identify opportunities. If necessary, we can reorganize debts to present a proposal to your creditors for repayment on different terms.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-86a894ae028711ec3 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_86a894ae028711ec3\"><a aria-expanded=\"false\" aria-controls=\"86a894ae028711ec3\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-2\" data-target=\"#86a894ae028711ec3\" href=\"#86a894ae028711ec3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Emergency Fund<\/span><\/a><\/h4><\/div><div id=\"86a894ae028711ec3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_86a894ae028711ec3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Emergency Fund<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">When analyzing your overall financial situation, it&#8217;s important to consider the emergency funds you have. Good financial planning will enable you to maintain a healthy emergency fund without compromising the effectiveness of your investments.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-881bfcaa9109b32d1 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_881bfcaa9109b32d1\"><a aria-expanded=\"false\" aria-controls=\"881bfcaa9109b32d1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-2\" data-target=\"#881bfcaa9109b32d1\" href=\"#881bfcaa9109b32d1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Portfolio Diversification<\/span><\/a><\/h4><\/div><div id=\"881bfcaa9109b32d1\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_881bfcaa9109b32d1\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Portfolio Diversification<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Portfolio diversification is a crucial step towards promising, stable returns. This can be achieved through a variety of asset classes, including bonds, real estate, precious metals and alternative assets.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Depending on your objectives, we will be able to implement a clear and effective strategy to diversify your portfolio.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:50px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3><span style=\"color: #ffffff;\">Financial Planning and Tax Situation<\/span><\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-text-color:var(--awb-color1);\"><p><span style=\"color: #ffffff;\">We review tax documents to ensure that you are taking advantage of all the tax breaks (deductions, credits) to which you are entitled, and assess whether there are any additional elements that could reduce or defer taxation.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-3\"><div class=\"fusion-panel panel-default panel-0dabe6271b1b081db fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0dabe6271b1b081db\"><a aria-expanded=\"false\" aria-controls=\"0dabe6271b1b081db\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-3\" data-target=\"#0dabe6271b1b081db\" href=\"#0dabe6271b1b081db\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Tax and Credit Calculations<\/span><\/a><\/h4><\/div><div id=\"0dabe6271b1b081db\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0dabe6271b1b081db\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Tax and Credit Calculations<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">It&#8217;s through careful calculation that we can determine whether you&#8217;re taking advantage of all the tax breaks available in your situation. Thanks to our expertise and passion, we can identify any additional opportunities to reduce or defer taxation.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Many items can be considered and calculated in your tax bill, as well as available credits such as: RESP contributions, moving expenses, childcare expenses and even deductions related to self-employment.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b4b2688af7a7a4ccb fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b4b2688af7a7a4ccb\"><a aria-expanded=\"false\" aria-controls=\"b4b2688af7a7a4ccb\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-3\" data-target=\"#b4b2688af7a7a4ccb\" href=\"#b4b2688af7a7a4ccb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Non-Taxable Benefits<\/span><\/a><\/h4><\/div><div id=\"b4b2688af7a7a4ccb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b4b2688af7a7a4ccb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Non-Taxable Benefits<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">There are many interesting non-taxable benefits to consider in your tax situation, such as travel allowances, training allowances, director&#8217;s fees, professional and union dues, and so on.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">An overall analysis of your tax situation will enable us to identify opportunities and consider them in your financial planning strategy.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5aa475a01922c3f1a fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5aa475a01922c3f1a\"><a aria-expanded=\"false\" aria-controls=\"5aa475a01922c3f1a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-3\" data-target=\"#5aa475a01922c3f1a\" href=\"#5aa475a01922c3f1a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Fiscal Optimization<\/span><\/a><\/h4><\/div><div id=\"5aa475a01922c3f1a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5aa475a01922c3f1a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Fiscal Optimization<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">There are an infinite number of strategies to help you optimize your tax situation and take advantage of tax reductions. In a financial planning strategy tailored to your needs and objectives, we optimize your tax situation by cutting unnecessary costs and allowing you to place these gains where they will grow.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-44ec9c3598de9c98b fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_44ec9c3598de9c98b\"><a aria-expanded=\"false\" aria-controls=\"44ec9c3598de9c98b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-3\" data-target=\"#44ec9c3598de9c98b\" href=\"#44ec9c3598de9c98b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Retirement Disbursement<\/span><\/a><\/h4><\/div><div id=\"44ec9c3598de9c98b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_44ec9c3598de9c98b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Retirement Disbursement<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">It&#8217;s extremely important to put savings and financial planning strategies in place to enjoy a healthy and fulfilling retirement, but it&#8217;s just as important to set up a retirement disbursement strategy to ensure you&#8217;re always on track when it comes to using your savings.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">With a clear and precise financial planning strategy, you&#8217;ll be able to enjoy your retirement with peace of mind.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-color1);--awb-background-image:url(&quot;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/BesoinAvantTout.webp&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3 style=\"text-align: center;\">Putting Your Needs First<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-9\" style=\"--awb-text-color:var(--awb-color1);\"><p style=\"text-align: center;\"><span style=\"color: #ffffff;\">You can&#8217;t argue about personal taste.<\/span><br \/>\n<span style=\"color: #ffffff;\">Your own needs always come first.<\/span><\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/planico.ca\/en\/financial-consultant-contact-us\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Contact Us<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-custom_color_1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3><span style=\"color: #ffffff;\">Financial Planning for Retirement<\/span><\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-10\" style=\"--awb-text-color:var(--awb-color1);\"><p><span style=\"color: #ffffff;\">Retirement is one of the most sought-after aspects of financial planning.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This analysis requires you to consider a multitude of data in order to properly assess your current savings situation and your anticipated retirement situation.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-four\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:24;line-height:1.2;\"><h4><span style=\"color: #b3a08d;\">A well-Deserved Retirement<\/span><\/h4><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:-40px;width:100%;\"><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-4\"><div class=\"fusion-panel panel-default panel-919cfaaa68a625d82 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_919cfaaa68a625d82\"><a aria-expanded=\"false\" aria-controls=\"919cfaaa68a625d82\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-4\" data-target=\"#919cfaaa68a625d82\" href=\"#919cfaaa68a625d82\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">RRSPs and TFSAs<\/span><\/a><\/h4><\/div><div id=\"919cfaaa68a625d82\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_919cfaaa68a625d82\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">RRSPs and TFSAs<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">To help you enjoy a prosperous and fulfilling retirement, there are a number of ways to safely invest your savings, including Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs), each with their own advantages and disadvantages, depending on your goals.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Together we&#8217;ll be able to tailor a strategy to your goals and determine which program is best suited to you and your objectives.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Working together we&#8217;ll be able to establish a plan tailored to your situation and objectives.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f0d176aeb870cbeda fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f0d176aeb870cbeda\"><a aria-expanded=\"false\" aria-controls=\"f0d176aeb870cbeda\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-4\" data-target=\"#f0d176aeb870cbeda\" href=\"#f0d176aeb870cbeda\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Annuities<\/span><\/a><\/h4><\/div><div id=\"f0d176aeb870cbeda\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f0d176aeb870cbeda\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Annuities<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Several types of annuities are available, depending on your situation and needs. Annuities are a financial product that provides a guaranteed regular income, so they can be a valuable addition to your retirement plan. It&#8217;s important to consider it for your retirement.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Since there are many different types of annuities, each with its own options, benefits and risks, we take the time to analyze your situation and tailor a strategy that&#8217;s right for you, so you can enjoy a secure retirement with peace of mind.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f22ca598f33341f43 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f22ca598f33341f43\"><a aria-expanded=\"false\" aria-controls=\"f22ca598f33341f43\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-4\" data-target=\"#f22ca598f33341f43\" href=\"#f22ca598f33341f43\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Pension Plans<\/span><\/a><\/h4><\/div><div id=\"f22ca598f33341f43\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f22ca598f33341f43\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Pension Plans<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Are you taking advantage of an employer-sponsored pension plan? There are many different types of plan, each with its own tax benefits.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">With a thorough analysis of your plan, you&#8217;ll be able to maximize the benefits of your pension plan to ensure a prosperous and fulfilling retirement.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-fed158b6d0e3ef663 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_fed158b6d0e3ef663\"><a aria-expanded=\"false\" aria-controls=\"fed158b6d0e3ef663\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-4\" data-target=\"#fed158b6d0e3ef663\" href=\"#fed158b6d0e3ef663\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">QPP &amp; OAS<\/span><\/a><\/h4><\/div><div id=\"fed158b6d0e3ef663\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_fed158b6d0e3ef663\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">QPP &amp; OAS<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">When you retire, there are several government programs that can provide you with financial support, such as the Quebec Pension Plan (QPP) or the Old Age Security Program (OAS), but sometimes these programs can be insufficient.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">As this is an amount to which you are entitled, we will be able to take it into consideration when planning your retirement, to ensure you enjoy a peaceful and fulfilling retirement.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:50px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3>Financial Planning &#8211; Situation at Death<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-11\" style=\"--awb-text-color:var(--awb-color1);\"><p><span style=\"color: #ffffff;\">This analysis highlights the protection mechanisms available to you to offset the financial and legal consequences of prolonged disability or incapacity, and suggests solutions to bridge any negative gaps.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-5\"><div class=\"fusion-panel panel-default panel-4cd827c72e6c2685f fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4cd827c72e6c2685f\"><a aria-expanded=\"false\" aria-controls=\"4cd827c72e6c2685f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-5\" data-target=\"#4cd827c72e6c2685f\" href=\"#4cd827c72e6c2685f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Tax Liability on Death<\/span><\/a><\/h4><\/div><div id=\"4cd827c72e6c2685f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4cd827c72e6c2685f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Tax Liability on Death<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">When a death occurs, what happens to RRSPs, debts, investments and assets? This is an integral part of the analysis we provide, as well as the possible alternatives to be implemented to ensure the smoothest possible transfer for your loved ones.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">A number of factors can be taken into account and factored into your taxes, as well as available credits, such as RESP contributions, moving expenses, childcare costs and even deductions related to self-employment.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0d4927919aba923b4 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0d4927919aba923b4\"><a aria-expanded=\"false\" aria-controls=\"0d4927919aba923b4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-5\" data-target=\"#0d4927919aba923b4\" href=\"#0d4927919aba923b4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Various Bequests<\/span><\/a><\/h4><\/div><div id=\"0d4927919aba923b4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0d4927919aba923b4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Various Bequests<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">By drawing up a will, you proactively decide what will happen to your assets following your death.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Establishing a will and bequeathing assets can have tax implications for you and your successors, so it&#8217;s important to plan your estate carefully and avoid oversights that could be costly for your family or heirs.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Bequests can be part of your financial planning strategy. That&#8217;s why we consider the situation at death as part of your financial planning.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-17d3f796f5fe9177c fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_17d3f796f5fe9177c\"><a aria-expanded=\"false\" aria-controls=\"17d3f796f5fe9177c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-5\" data-target=\"#17d3f796f5fe9177c\" href=\"#17d3f796f5fe9177c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Estate Liquidation<\/span><\/a><\/h4><\/div><div id=\"17d3f796f5fe9177c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_17d3f796f5fe9177c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Estate Liquidation<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">When you die, all your assets become part of your estate, and someone is appointed to distribute them according to your wishes. This procedure is referred to as estate liquidation.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Anticipating and planning for this procedure is also part of financial planning, since we need to determine what will happen to your assets and money, and what the impact will be on the person who receives them.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">There are many innovative strategies available to ensure that you and your loved ones make the right choices.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5b66da64693614b1b fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5b66da64693614b1b\"><a aria-expanded=\"false\" aria-controls=\"5b66da64693614b1b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-5\" data-target=\"#5b66da64693614b1b\" href=\"#5b66da64693614b1b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Testamentary Tax Efficiency<\/span><\/a><\/h4><\/div><div id=\"5b66da64693614b1b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5b66da64693614b1b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Testamentary Tax Efficiency<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Testamentary tax efficiency is an analysis of your assets, liabilities and property that you would like to pass on to your heirs. In this analysis, it&#8217;s important to consider the tax impact of the estate, so we can find the best strategies to reduce the tax impact of your estate and ensure a smooth and easy transfer for your loved ones.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:50px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color1);\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3>Financial planning &#8211; Protective Situation<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-12\" style=\"--awb-text-color:var(--awb-color1);\"><p><span style=\"color: #ffffff;\">This analysis highlights the protection mechanisms available to you to offset the financial and legal consequences of prolonged disability or incapacity, and suggests solutions to bridge any negative gaps.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:24px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color5);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color5);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:var(--awb-typography1-letter-spacing);--awb-title-line-height:1.4;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-4847-6\"><div class=\"fusion-panel panel-default panel-5918ff9988dd14c1b fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5918ff9988dd14c1b\"><a aria-expanded=\"false\" aria-controls=\"5918ff9988dd14c1b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-6\" data-target=\"#5918ff9988dd14c1b\" href=\"#5918ff9988dd14c1b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Long-Term Care<\/span><\/a><\/h4><\/div><div id=\"5918ff9988dd14c1b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5918ff9988dd14c1b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Long-Term Care<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">It&#8217;s easy to take our physical and mental health for granted, but without warning, illness and disability can strike. That&#8217;s why long-term care coverage is an important choice, so you have an alternative to cover medical expenses that can quickly add up, and avoid compromising your retirement plan.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">A number of factors can be taken into account in calculating your income tax, as well as available credits, such as RESP contributions, moving expenses, childcare expenses and even deductions related to self-employment.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2571de891bbf4cdee fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2571de891bbf4cdee\"><a aria-expanded=\"false\" aria-controls=\"2571de891bbf4cdee\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-6\" data-target=\"#2571de891bbf4cdee\" href=\"#2571de891bbf4cdee\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Life Insurance<\/span><\/a><\/h4><\/div><div id=\"2571de891bbf4cdee\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2571de891bbf4cdee\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Life Insurance<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Sooner or later, your days will come to an end. Life insurance is a very important way to protect our assets and loved ones in the event of our death. Life insurance can even protect the financial security of our loved ones by providing a tax-free payment.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">There are many types of coverage to choose from, depending on your needs, lifestyle, employer and personal situation. Thanks to our expertise and extensive network, we&#8217;ll be able to select the coverage that best suits your situation.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f1a60b7ba3924f21b fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f1a60b7ba3924f21b\"><a aria-expanded=\"false\" aria-controls=\"f1a60b7ba3924f21b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-6\" data-target=\"#f1a60b7ba3924f21b\" href=\"#f1a60b7ba3924f21b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Mortgage Protection<\/span><\/a><\/h4><\/div><div id=\"f1a60b7ba3924f21b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f1a60b7ba3924f21b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Mortgage Protection<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">Mortgage protection can be an excellent strategy for acquiring real estate, as it can help you obtain a reasonable interest rate, even with a small down payment.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">It&#8217;s also mandatory if your down payment is less than 20%. Contact us and we&#8217;ll be happy to advise you on this protection.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ee7cb69cd765a5725 fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ee7cb69cd765a5725\"><a aria-expanded=\"false\" aria-controls=\"ee7cb69cd765a5725\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-6\" data-target=\"#ee7cb69cd765a5725\" href=\"#ee7cb69cd765a5725\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Disability<\/span><\/a><\/h4><\/div><div id=\"ee7cb69cd765a5725\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ee7cb69cd765a5725\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Disability<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">With this type of protection, you&#8217;ll have alternatives and financial security in the event that an unforeseen event, accident or illness prevents you from earning an income.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Thanks to an extensive network of providers, we&#8217;ll be able to determine your needs and find the right coverage for you.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2b4632daf650fbfac fusion-toggle-no-divider\" style=\"--awb-title-font-size:18px;--awb-title-color:var(--awb-color1);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2b4632daf650fbfac\"><a aria-expanded=\"false\" aria-controls=\"2b4632daf650fbfac\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-4847-6\" data-target=\"#2b4632daf650fbfac\" href=\"#2b4632daf650fbfac\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-arrow-circle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-arrow-circle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Serious Illnesses<\/span><\/a><\/h4><\/div><div id=\"2b4632daf650fbfac\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2b4632daf650fbfac\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<h4><span style=\"color: #ffffff;\">Serious Illnesses<\/span><\/h4>\n<p><span style=\"color: #ffffff;\">With this type of protection, you&#8217;ll have alternatives and financial security in the event that an unforeseen event, accident or illness prevents you from earning an income.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Thanks to an extensive network of providers, we&#8217;ll be able to determine your needs and find the right coverage for you.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"champs\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-17 fusion-sep-none fusion-title-text fusion-title-size-three\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:36;line-height:1.4;\"><h3>Our Areas of Expertise<\/h3><\/h3><\/div><div class=\"fusion-text fusion-text-13\" style=\"--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p>Discover PLANICO\u2019s Financial Services<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-padding-top-medium:32px;--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:75%;--awb-order-medium:0;--awb-spacing-right-medium:2.56%;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-14 fusion-text-no-margin\" style=\"--awb-margin-right:16px;--awb-margin-bottom:0px;\"><p>Personal or corporate financial planning? Insurance needs? Whatever your objectives, a global vision will enable us to build a strategy tailored to your needs. We serve customers in the Montreal, Laval, North Shore and South Shore regions.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:80px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:200px;--awb-padding-bottom:25px;--awb-padding-top-medium:24vw;--awb-padding-top-small:40vw;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_ImprevusPhoto_radius-e1732133403760.webp&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-color:hsla(var(--awb-color4-h),var(--awb-color4-s),var(--awb-color4-l),calc(var(--awb-color4-a) - 75%));--awb-border-color-hover:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:25px 25px 25px 25px;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_ImprevusPhoto_radius-e1732133403760.webp\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5px;--awb-padding-right:40px;--awb-padding-bottom:15px;--awb-padding-left:40px;--awb-inner-bg-color:rgba(255,255,255,0.8);--awb-inner-bg-color-hover:rgba(255,255,255,0.8);--awb-inner-bg-size:cover;--awb-box-shadow:10px 10px 25px 5px hsla(var(--awb-color8-h),var(--awb-color8-s),var(--awb-color8-l),calc(var(--awb-color8-a) - 90%));;--awb-border-color:var(--awb-color5);--awb-border-color-hover:var(--awb-color4);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-transform:translateY(0px);--awb-transform-hover:translateY(-10px);--awb-width-large:92%;--awb-spacing-right-large:2.0869565217391%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.0869565217391%;--awb-width-medium:92%;--awb-order-medium:0;--awb-spacing-right-medium:2.0869565217391%;--awb-spacing-left-medium:2.0869565217391%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/planico.ca\/en\/life-insurance-for-individuals\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"fusion-text fusion-text-15 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Insurance<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:2px;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-18 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:24;line-height:1.2;\">Finding the Right Coverage<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:200px;--awb-padding-bottom:25px;--awb-padding-top-medium:24vw;--awb-padding-top-small:40vw;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_RetraitePhoto_radius-e1732133360175.webp&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-color:hsla(var(--awb-color4-h),var(--awb-color4-s),var(--awb-color4-l),calc(var(--awb-color4-a) - 75%));--awb-border-color-hover:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:25px 25px 25px 25px;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_RetraitePhoto_radius-e1732133360175.webp\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5px;--awb-padding-right:40px;--awb-padding-bottom:15px;--awb-padding-left:40px;--awb-inner-bg-color:rgba(255,255,255,0.8);--awb-inner-bg-color-hover:rgba(255,255,255,0.8);--awb-inner-bg-size:cover;--awb-box-shadow:10px 10px 25px 5px hsla(var(--awb-color8-h),var(--awb-color8-s),var(--awb-color8-l),calc(var(--awb-color8-a) - 90%));;--awb-border-color:var(--awb-color5);--awb-border-color-hover:var(--awb-color4);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-transform:translateY(0px);--awb-transform-hover:translateY(-10px);--awb-width-large:92%;--awb-spacing-right-large:2.0869565217391%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.0869565217391%;--awb-width-medium:92%;--awb-order-medium:0;--awb-spacing-right-medium:2.0869565217391%;--awb-spacing-left-medium:2.0869565217391%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/planico.ca\/en\/retirement-planning\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"fusion-text fusion-text-16 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Retirement<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:2px;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-19 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:24;line-height:1.2;\">Start Planning for Your Future Today<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:200px;--awb-padding-bottom:25px;--awb-padding-top-medium:24vw;--awb-padding-top-small:40vw;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_SuccessionPhoto_radius-e1732133328671.webp&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-color:hsla(var(--awb-color4-h),var(--awb-color4-s),var(--awb-color4-l),calc(var(--awb-color4-a) - 75%));--awb-border-color-hover:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:25px 25px 25px 25px;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_SuccessionPhoto_radius-e1732133328671.webp\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5px;--awb-padding-right:40px;--awb-padding-bottom:15px;--awb-padding-left:40px;--awb-inner-bg-color:rgba(255,255,255,0.8);--awb-inner-bg-color-hover:rgba(255,255,255,0.8);--awb-inner-bg-size:cover;--awb-box-shadow:10px 10px 25px 5px hsla(var(--awb-color8-h),var(--awb-color8-s),var(--awb-color8-l),calc(var(--awb-color8-a) - 90%));;--awb-border-color:var(--awb-color5);--awb-border-color-hover:var(--awb-color4);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-transform:translateY(0px);--awb-transform-hover:translateY(-10px);--awb-width-large:92%;--awb-spacing-right-large:2.0869565217391%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.0869565217391%;--awb-width-medium:92%;--awb-order-medium:0;--awb-spacing-right-medium:2.0869565217391%;--awb-spacing-left-medium:2.0869565217391%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/planico.ca\/en\/estate-planning\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"fusion-text fusion-text-17 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Estate Planning<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:2px;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-20 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:24;line-height:1.2;\">Safeguarding Your Life\u2019s Legacy<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-23 fusion_builder_column_1_6 1_6 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-spacing-right-large:11.52%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:11.52%;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:11.52%;--awb-spacing-left-medium:11.52%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:200px;--awb-padding-bottom:25px;--awb-padding-top-medium:24vw;--awb-padding-top-small:40vw;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_LegalPhoto_radius-e1732133310987.webp&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-color:hsla(var(--awb-color4-h),var(--awb-color4-s),var(--awb-color4-l),calc(var(--awb-color4-a) - 75%));--awb-border-color-hover:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:25px 25px 25px 25px;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/planico_LegalPhoto_radius-e1732133310987.webp\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-5 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5px;--awb-padding-right:40px;--awb-padding-bottom:15px;--awb-padding-left:40px;--awb-inner-bg-color:rgba(255,255,255,0.8);--awb-inner-bg-color-hover:rgba(255,255,255,0.8);--awb-inner-bg-size:cover;--awb-box-shadow:10px 10px 25px 5px hsla(var(--awb-color8-h),var(--awb-color8-s),var(--awb-color8-l),calc(var(--awb-color8-a) - 90%));;--awb-border-color:var(--awb-color5);--awb-border-color-hover:var(--awb-color4);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-transform:translateY(0px);--awb-transform-hover:translateY(-10px);--awb-width-large:92%;--awb-spacing-right-large:2.0869565217391%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.0869565217391%;--awb-width-medium:92%;--awb-order-medium:0;--awb-spacing-right-medium:2.0869565217391%;--awb-spacing-left-medium:2.0869565217391%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/planico.ca\/en\/protecting-assets-legal-aspects\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"fusion-text fusion-text-18 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Legal Aspects<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:2px;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-21 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:24;line-height:1.2;\">Matrimonial Property and Assets<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-25 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-padding-top:200px;--awb-padding-bottom:25px;--awb-padding-top-medium:24vw;--awb-padding-top-small:40vw;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/FiscalitePhoto_radius-e1732133291585.webp&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-color:hsla(var(--awb-color4-h),var(--awb-color4-s),var(--awb-color4-l),calc(var(--awb-color4-a) - 75%));--awb-border-color-hover:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:25px 25px 25px 25px;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/FiscalitePhoto_radius-e1732133291585.webp\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-6 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5px;--awb-padding-right:40px;--awb-padding-bottom:15px;--awb-padding-left:40px;--awb-inner-bg-color:rgba(255,255,255,0.8);--awb-inner-bg-color-hover:rgba(255,255,255,0.8);--awb-inner-bg-size:cover;--awb-box-shadow:10px 10px 25px 5px hsla(var(--awb-color8-h),var(--awb-color8-s),var(--awb-color8-l),calc(var(--awb-color8-a) - 90%));;--awb-border-color:var(--awb-color5);--awb-border-color-hover:var(--awb-color4);--awb-border-top:0px;--awb-border-right:0px;--awb-border-bottom:0px;--awb-border-left:4px;--awb-border-style:solid;--awb-transform:translateY(0px);--awb-transform-hover:translateY(-10px);--awb-width-large:92%;--awb-spacing-right-large:2.0869565217391%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.0869565217391%;--awb-width-medium:92%;--awb-order-medium:0;--awb-spacing-right-medium:2.0869565217391%;--awb-spacing-left-medium:2.0869565217391%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/planico.ca\/en\/fiscal-policy\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"fusion-text fusion-text-19 fusion-text-no-margin\" style=\"--awb-font-size:18px;--awb-line-height:var(--awb-typography5-line-height);--awb-letter-spacing:var(--awb-typography5-letter-spacing);--awb-text-transform:var(--awb-typography5-text-transform);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography5-font-family);--awb-text-font-weight:var(--awb-typography5-font-weight);--awb-text-font-style:var(--awb-typography5-font-style);\"><p>Fiscal Policy<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:2px;width:100%;max-width:50px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color3);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-22 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:none;--fontSize:24;line-height:1.2;\">Navigating Complex Taxation Laws<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-26 fusion_builder_column_1_6 1_6 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-spacing-right-large:11.52%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:11.52%;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:11.52%;--awb-spacing-left-medium:11.52%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-27 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-section-separator section-separator custom fusion-section-separator-1\" style=\"--awb-spacer-height:30px;--awb-svg-margin-left:1.92%;--awb-svg-margin-right:1.92%;--awb-svg-margin-left-medium:1.92%;--awb-svg-margin-right-medium:1.92%;--awb-svg-margin-left-small:1.92%;--awb-svg-margin-right-small:1.92%;--awb-divider-height:30px;--awb-spacer-padding-top:inherit;--awb-bg-size:100% 30px;--awb-bg-size-medium:100% 100%;--awb-bg-size-small:100% 100%;--awb-margin-top:-30px;\"><div class=\"fusion-section-separator-svg\"><div class=\"fusion-custom-candy-sep fusion-section-separator-svg-bg\" style=\"background-image:url( data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22100%22%20viewBox%3D%220%200%201920%20100%22%20fill%3D%22rgba%28255%2C255%2C255%2C1%29%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%0A%3Crect%20x%3D%22960%22%20width%3D%22960%22%20height%3D%22100%22%20fill%3D%22rgba%28255%2C255%2C255%2C1%29%22%2F%3E%0A%3C%2Fsvg%3E%0A );transform: rotateY(180deg);background-size:cover;\"><\/div><\/div><div class=\"fusion-section-separator-spacer\"><div class=\"fusion-section-separator-spacer-height\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-28 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-20 fusion-text-no-margin\" style=\"--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:none;--awb-text-color:var(--awb-color4);--awb-margin-bottom:12px;--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p style=\"text-align: center;\">Thanks to our extensive network of partners, you can benefit from products that meet your specific needs.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-23 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color8);--awb-margin-bottom:32px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:36;line-height:1.4;\"><h3 style=\"text-align: center;\">Proud Partner of<\/h3><\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-29 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/ia.ca\/\" target=\"_blank\" aria-label=\"Logo_iA_Groupe_financier__Industrielle_Alliance\" rel=\"noopener noreferrer\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"358\" height=\"200\" src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/Logo_iA_Groupe_financier__Industrielle_Alliance.png\" alt class=\"img-responsive wp-image-4673\" srcset=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/Logo_iA_Groupe_financier__Industrielle_Alliance-200x112.webp 200w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/Logo_iA_Groupe_financier__Industrielle_Alliance-300x168.webp 300w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/Logo_iA_Groupe_financier__Industrielle_Alliance.png 358w\" sizes=\"auto, (max-width: 810px) 100vw, 358px\" \/><\/a><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-30 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.ppi.ca\/fr\" target=\"_blank\" aria-label=\"logo-_PPI-1\" rel=\"noopener noreferrer\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"358\" height=\"200\" src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/logo-_PPI-1.png\" alt class=\"img-responsive wp-image-4674\" srcset=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/logo-_PPI-1-200x112.webp 200w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/logo-_PPI-1-300x168.webp 300w, https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/logo-_PPI-1.png 358w\" sizes=\"auto, (max-width: 810px) 100vw, 358px\" \/><\/a><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-31 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-6 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.aga.ca\/\" target=\"_blank\" aria-label=\"aga-assurances-collectives-1\" rel=\"noopener noreferrer\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" width=\"358\" height=\"200\" src=\"https:\/\/planico.ca\/wp-content\/uploads\/2024\/11\/aga-assurances-collectives-1.png\" alt class=\"img-responsive wp-image-4675\" 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