Financial Advisor

Sunshine Pawchuk and her team in St. Albert, as Certified Financial Planner professionals, are both qualified and eager to work with you, aligning your financial goals with a comprehensive financial plan that leads to true richness in life.

Dispelling Financial Planning Myths:

Myth #1: A tax refund is a good thing. Explore the benefits of not receiving a tax refund.

Myth #2: A will is an estate plan. Discover the broader aspects of estate planning, including trusts, beneficiaries, charitable donations, and tax efficiencies.

Myth #3: Always go fixed over variable. Understand the pros and cons of fixed and variable mortgages to choose the best option for you.

Myth #4: You need $1M to retire – and other retirement myths. Explore the truth behind retirement savings and debunk common retirement myths.

Understanding Financial Planning:

Financial planning extends beyond investing. While investing is crucial for faster savings growth, comprehensive financial planning encompasses managing all aspects of your financial life, ensuring greater security both now and in the future.

The Benefits of Financial Planning:

A well-crafted financial plan has an immediate positive impact, boosting your financial confidence by:

- Reducing debt and interest payments.
- Saving and planning for your future.
- Providing peace of mind in the face of the unexpected.
- Offering control and clarity over your finances.
- Accelerating wealth growth.

Elements of a Comprehensive Financial Plan:

A comprehensive financial plan covers every aspect of your financial life, including:

- Cash flow management and debt reduction.
- Emergency fund establishment.
- Tax optimization strategies.
- Retirement and major expense savings.
- Estate planning, including wills and charitable giving.
- Mortgage selection aligned with your overall plan.

Partner with Sunshine Pawchuk and her team in St. Albert to develop a holistic financial plan that empowers you to achieve your goals and experience true richness in life.