Tracy MacNeil Financial Solutions Inc.
Trustworthy advice you can count on
Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.
Let’s work together
We build your trust by planning around your goals, not by selling products.
For your long-term goals or your short-term needs, we will work with you to help discover the most appropriate strategy to achieve your objectives. We’ll work together to understand your goals, prepare for the unexpected and take advantage of new opportunities – throughout your life.
Our team provides a full service experience to Clients. We specialize in estate and financial planning and investments. We will work with you to meet your needs through any number of recommended solutions. We can help you build lifetime financial security by:
- Developing a comprehensive wealth and financial plan.
- Protecting your family when the unexpected happens with estate planning through term life or permanent life insurance.
- Converting your lifetime savings into retirement income with prudent investment management and income planning.
- Providing your business with succession planning so you can be a steward of wealth to the next generation.
Our team is looking after your best interests. Let us help you determine your possibilities.
Client testimonials
“Tracy is an outstanding financial planner. She is honest, professional, kind and very knowledgeable. She has guided us in every area of our financial planning and we know we are in safe hands with her. We would absolutely recommend Tracy and her excellent team.”
- Richard and Jane
"It is hard to put into words how happy we are with the planning and service we receive from Tracy and her team. Their in depth planning has allowed us to enjoy a retirement free of worries. Tracy’s careful consideration of our financial situation brought forward strategies for planning that have resulted in a comprehensive financial plan that will guarantee the lifestyle we desired for our retirement."
- Shelly and Franco
"We’ve been absolutely delighted with the comprehensive approach that Tracy and her team took on our financial planning. After having concerns with our previous planner, we wanted a new perspective and the results have exceeded our expectations. Tracy opened our eyes to not only new financial strategies, but also estate planning and tax planning opportunities that we hadn’t considered before. Her friendly and relaxed style has made working with her a pleasure and we feel confident that we are firmly on track to reach our financial goals."
- Scott and Sava
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Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Script: How much life insurance is the right amount? Simply put, the amount of life insurance you need depends on your unique situation. A good place to start is to figure out how much life insurance you may need… how long you need it for… and what kind might be right for you. Let’s look at an example: Jackie is 33 years old… and has two kids. She has four goals for her life insurance: Leave money to her family to pay off her mortgage. Top up her kids’ registered education savings plans. Pay off her student loans. And, replace her income for 10 years. Based on these goals, Jackie is looking at a 1-million-dollar life insurance policy. If she died, her family could choose to use the insurance payout to: Put 300-thousand dollars toward the mortgage. Add 60-thousand dollars to the kids’ RESPs. Pay off her 40-thousand-dollar student loan. And… cover the family’s ongoing costs with the remaining 600-thousand dollars. How much do life insurance payments cost per month? In Jackie’s case, a 1-million-dollar, 30-year term policy for a non-smoking, 33-year-old woman… could cost about 80-dollars per month. For a man of the same age, it’s closer to 110-dollars per month. How long do you need your coverage to last? For a younger person… or a couple with debt and a mortgage, a 30-year policy or longer may be suitable. For someone in their forties… with little debt and a small mortgage… a 20-year policy might be the right fit. What are your options? Your employer may offer life insurance through your employee benefits. But… it may not be enough. And you can lose that coverage if you change employers. You may want to consider more life insurance. In which case, you have two types to choose from: Term life insurance. And… permanent life insurance. Any amount of life insurance can help give your loved ones some financial security when you die. Your unique situation will inform the amount and type of insurance you need. For more tips and tools, visit sunlife.ca.
1. You’ll miss out on the advantages of compound interest.
2. You'll have to pay tax on your RRSP withdrawals.
3. You’ll permanently lose RRSP contribution room.
If you need cash to deal with an unexpected expense, reach out and we can figure out the right strategy for you.
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