Mission
Registered Plans
RRSPs
Personal Financial Planning
Advisors
Insurance
Cheap Life Insurance
Term Life Insurance
Investing
Alternative Incomes
Self Employment
Precious Metals
Debt Management
Tax Smart Investing
Segregated Funds
RRSP Meltdown
Disability Tax-Credit
Whole Life Insurance
Universal Life Insurance
Disability Insurance
C.I. Insurance
Mortgage Insurance
Insured Retirement
Income Tax Shelters
Government Benefits
Retirement Advice
Retirement Locations
Estate Planning
  Wealth Transfer
Will
Contact Us
Testimonials
privacy policy

Financial Planning For Hard Working People

Welcome to Blue-Collar-Financial-Planning.com

"The hardest thing in the world to understand is the income tax."
Albert Einstein

Terry Johnston -- Certified Financial Planner -- Is a leading source for quality information about Retiring comfortably.

Providing Financial, Estate, and Retirement Planning, using products such as Life, Critical Illness, and Disability Insurance. Terry offers clients complete financial planning with a written plan, designed to achieve their goals.

"If you don’t have your own plan - you are part of the government’s - called the income tax act!"

“Financial Planning is the art of taking what you earn and spend, rearranging the way you spend, so more cash stays in your pocket. You don't spend more you get more”

Terry will analyze your current situation, understand your goals and establish a plan that will take you to those goals.

Any dummy can walk in and say --

“Hey you have got to put more money away”!

The skill is to look at how you spend now and make changes in the way you spend. Saving you money and reducing tax.

"Any fool can spend more - the goal is spend the same while getting more."

Terry's office is located at

J.C. Mitchell Financial Services Inc.

431 Bayview Dr. Suite 1
Barrie Ontario
L4N 8Y2


Terry Johnston CFP

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





Mission
Mission Statement

Registered Plans
Registered Plans - RRSPs come in several different types.

RRSPs -- will they help or hinder you?
RRSPs, the good the bad and the ugly.

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

Insurance
Insurance is designed to migigate loss -- but in many cases it can do so much more

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

Cheap Term Life Insurance
Cheap term life Insurance talks about the cost of the life Insurance coverage - not the quality.

Investing
Investing find the right way for you!

Alternative Incomes for those who have lost their jobs.
Alternative incomes are obtainable in in these scary times even if you are about to retire.

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

Precious Metals
The market for precious metals is huge and world wide and very liquid.

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

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

Segregated SEG Funds -- have amazing guarantees and protections built right in.
Segregated SEG Funds are Identical to Mutual Funds, they are pooled investments with a fund manager, except they provide benefits and guarantees that Mutual Funds cannot

RRSP meltdown is a structured collaspse of an RRSP to reduce tax in later years
RRSP meltdown -- this can put significantly more money in your pocket during retirement

Disability Tax Credit --DTC a case study
Disability Tax Credit - DTC reduces the tax burden on the disabled

Permanent Insurance -Whole Life Insurance -
Whole Life is the original Permanent Insurance for life time Insurance coverage.

Universal Life Insurance is called universal for its total flexibity
Universal Life the most flexible of all Life Insurance can solve so many issues it might be considered the swiss army knife of insurance.

Disability Insurance
Guarantee your Job for life by having Disability Insurance

CI - Critical Illness Insurance -
CI - Critical Illness Insurance coverage will protect you

Mortgage protection insurance is insurance the Bank sells to protect the Bank.
Mortgage protection insurance a cruel joke or worthwhile purchase?

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

Income Tax Shelter
An Income tax shelter can save you a lot, but they can also cost you more than you know

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

retirement advice
Retirement advice to help you enhanced Retirement Income

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

Wealth Transfer
Wealth Transfer to the kids, but the government wants some it too!

will
You need a Will if you own anything of value.

Contact
Contact Terry Johnston CFP

testimonials
Testimonials -- What clients are saying about Terry Johnston

privacy policy
privacy policy


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