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Life-Cycle Financial Planning

For all the stages of your life

At Northpoint, we use a Life-Cycle approach to financial planning model that identifies four key stages in your life. We identify your primary financial objectives and suggest the type of products and services that are appropriate for both your age and financial situation. Financial planning is an ongoing process which needs to be adjusted as you age and your objectives change. Our Life-Cycle approach works whether you are just starting out or in your retirement years.

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Starting Out

These are the years of change when long-term relationships are entered into, families are started and careers launched. With all the immediate life concerns you face it may be hard to make long-term goals and manage your finances to help you get there. The steps you take at this time in your life can have a serious impact on your future prosperity and although time is on your side, it’s never too soon to plan.

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Building a Future

This is the time when the “serious” concerns of life set in: your responsibility to dependents both now and for the future, acquiring the assets that make life comfortable without incurring unmanageable debt, finding the ways and means of increasing your net worth. It may be the first time you sense “the clock ticking” and realize that if you haven’t made financial plans for your future, you need to get started. But where do you start?

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The Active Years

You are at mid-life now and things are going well. Your career is established, your family is grown and your financial affairs are in order. Or are they? Now, time is working against you so if you haven’t developed a financial plan already, the pressure is on. Letting things simply “happen” can make the difference between a comfortable retirement and an ongoing financial struggle. You still have time and need some strategies.

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Enjoying Retirement

This is what you have waited for; you have both the time and money to travel, pursue those interests you never had time for and maybe just have a little more time to relax. As you enjoy these years you can’t help think about how you can help your children and perhaps grandchildren now and when you aren’t here. How do you pass along the benefits of what you have achieved to the next generation? How do you assure the lifestyle you have worked toward will not be taken away?

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Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.