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Financial Planning For Hard Working People

Welcome to .........

Terry Johnston’s Blue Collar Financial Planning -- Web site

Photobucket

Blue Collar Financial Planning -- is situated in the offices of

J.C. Mitchell Financial Services, located on Bayview Dr. near the “Molson Centre” in Barrie Ontario, Canada.

Terry--working from this location--provides Financial, Estate, Retirement and Income Planning using top quality investment and Insurance products such as Life, Critical Illness, and Disability Insurance.

Financial Planning is an ongoing process of making sure you have complete control of your financial issues be it income, debt or taxation. These issues are different for different people and different for different times in your life.

process designed to make sure you have enough cash to meet all your financial obligations at all the different points in your life.

When starting out in life --young people need life insurance--not so much because of a pressing need (that normally comes later--spouse, children, home purchase etc.) but rather because Life insurance at this time is so ridiculously cheap. Which makes it the best time to buy.

As you age it gets more and more expensive. Until eventually you reach a point where even if the Insurance company was willing to provide the life insurance for you--it is simply too expensive to buy. That is a fate we will--all reach someday. Becoming--- uninsurable.

As life progresses we discover we need to do things like save for our children’s education, pay down the mortgage and save for retirement.

And as we enter our retirement years--are concerns now switch to making sure we have sufficient funding for those years and making sure our estates have some protections.

To successfully face and deal with these challenges Terry provides his clients with a long term written plan that covers all the issues from start to finish allowing clients to achieve their goals.

He will analyze your current situation and your goals. Then help you establish a plan that takes those needs and goals into account. Terry will provide written plan and a system to monitor its progress.

Terry has always believed it is ridiculous for any advisor to walk in and say to you - “Hey Bob you have got to put more money away every month to ensure your retirement.” Quite often there isn’t any more money available to simply start putting more away every month!

The real skill--is to look at what you are doing right now, the way you are spending, the tax you are paying and determine the small changes you can make, which will allow you to put that “more money” into the important areas you want, such as retirement savings, educational savings, debt reduction, etc. all without increasing how much you are currently spending each month.

That’s financial planning!

Terry Johnston, EzineArticles.com Platinum Author

A Proud Partner of J.C. Mitchell Financial Services Inc.

Located at
431 Bayview Dr. Suite 1
Barrie Ontario
L4N 8Y2

Phone:      866-721-7781 Ext.232
Fax:          705-721-1556

Financial Planning Tips
The Financial planning tips Blog keeps you up-to-date with all additions and changes to blue-collar-financial-planning.com Web site. Subscribe here.

testimonials
Testimonials -- What clients are saying about Terry Johnston

Barrie Financial Planning
Barrie Financial Planning is available for the unique needs of the residents of Barrie, Ontario

Personal Financial Planning
Personal financial planning is the individual financial plan that works for you!

Choosing a Financial Planner
Choose the right financial planner, and have a happy investment experience

Retirement savings accounts
Retirement savings accounts come in several different types.

The Tax Free Savings Account (TFSA) is being ignored by too many Canadians
The Tax Free Savings Account (TFSA) for Canadians is being underused and mark my words the government will change it -- because it is too good to be true!

first time home buyer
A first time home buyer can face the daunting task of trying to save the required down payment. Well there is an easy way to do it

Debt Management is the key to controlling your financial future.
Debt management is not what you want. You want debt elimination

Cheap Life Insurance
Cheap Life Insurance is what we all want, but what is the best way to get it?

cheap Insurance
Cheap Insurance doesn't mean poor quality insruance. Policies are designed to migigate loss -- but in many cases they can do so much more

Disability Insurance
Guarantee your Job for life by having Disability Insurance

Investment research
Investment research is key to becoming a succesful investor

Reverse mortgage
A reverse mortgage, can be a life saver for those who have discovered that the retirement funds could be running low

Leverage
Leverage or Leveraging has a specific meaning in the world of financial or investment planning.

Gold Investment
A Gold Investment is that something you should consider

Silver Investment
A Silver Investment is a good choice for many investors, but not silver stocks, but rather the physical metal

Tax smart Investing
Tax smart investing means you have a whole financial plan not just a part of one

tax shelters
Tax shelters can save you a lot, but they can also cost you more than you know

tax tips
Some easy to use tax tips that can help a great deal.

Tax freedom day
Tax freedom day is a day the media talks about, but do you know when your personal tax freedom day is?

Insured Retirement using a Universal Life policy
Insured Retirement using a Universal Life Policy will put more cash in your retirement pocket for much longer

retirement calculator
retirement calculator

retirement income planning
Retirement income planning is important in these scary times.

retirement advice
Retirement advice to help you enhanced Retirement Income

Government Benefits for many will be their only retirement income.
Government benefits are avaialble to most, but you must apply for them.

Best retirement locations
We all want to know the best retirement locations to provide us with an idyllic lifestyle

Estate Planning
Estate planning makes sense for most people

Do it youself legal forms
Do it yourself legal forms is now available to all the citizens of the USA, Australia, the UK and Canada. Luckily we have one thing in common--we all live in a society based on the rule of law and ind

achieve financial freedom
What is the secret to achieve financial freedom?

Self employment opportunities -- Security is in the person not the job!
self employment opportunities - 4 steps that make them work

Contact
Contact Terry Johnston CFP

Mutual Fund Disclaimer
Mutual Fund Disclaimer

Disclosures
This disclosure page is for those of you who didn't know I also recommend an sell insurance products through an MGA called Qualified Financial Services

privacy policy
privacy policy