Ayana Ahead, monetary advisor – MoneySense

She helps purchasers put together for retirement and make extra knowledgeable selections about their funds. She gives complete monetary planning, from creating tax-efficient revenue streams to timing advantages from the Canada Pension Plan (CPP) and Outdated Age Safety (OAS) to making sure their portfolios will final as soon as it’s time to begin drawing down financial savings. 

Why did you develop into a planner?

I’ve all the time loved budgeting and cash administration. It was thrilling to be taught that I may have a profession serving to individuals with their cash. Monetary planning ended up being the proper match for my pursuits and skillset.

What’s your strategy to monetary planning?

I present purchasers with unbiased, skilled recommendation in an environment freed from gross sales pressures. I assessment a consumer’s total monetary image after which present actionable ideas and suggestions to assist them optimize their funds and to assist them attain their particular person objectives. 

What’s your proudest achievement as a monetary planner?

I made a decision to develop into a fee-only planner as a result of I wished to offer monetary recommendation with none inherent bias. I additionally wished to supply clear pricing and don’t have any minimal asset necessities in order that I may attain individuals who worth unbiased recommendation however don’t essentially have a big portfolio. 

What’s a consumer success story you possibly can share?

The perfect success story is giving purchasers the boldness at hand of their retirement discover to their employer with peace of thoughts and a transparent image of their future. 

What would you do if cash had been no object?

I’d be the proprietor of an expert girls’s sports activities franchise. 

What’s the very best cash recommendation you ever acquired?

My dad confirmed me how mortgage funds had been calculated. Seeing how funds go principally in direction of curiosity at first of a time period made me need to be extra aggressive in paying down my very own debt. By accelerating funds, we shaved years off of our mortgage and saved hundreds in curiosity.

What’s the worst cash recommendation you ever acquired?

Investing in one thing with out understanding the underlying danger.