Welcome to .........

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

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!

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