What will Money Concepts Whitby do for you?
$$ When will you be able to retire and how much will you need?
$$ How can you build your Wealth while living your life to the fullest now?
$$ Should you reduce your risk through life or health insurance and what are the best alternatives for you?
At Money Concepts Whitby, we operate within a framework of integrity and trust. A Money Concepts professional will work with you to help secure your financial independence by:
- IDENTIFYING YOUR GOALS
- DEVELOPING A SOUND PLAN OF ACTION
- EVALUATING COMPETITVE PRODUCTS AND SERVICES
- PURCHASING THE PRODUCTS THAT MEET YOUR NEEDS
- REVIEWING YOUR FINANCIAL POSITION ON A REGULAR BASIS
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The Money Concepts Whitby Team
Deborah L. McCulloch, B. Comm., CMA, CFP
I am a Certified Financial Planner and President of the Money Concepts Whitby franchise. As a client of mine you can expect to receive quality confidential planning and investment service, on a consistent and timely basis.
My experience includes 14 years of Corporate Accounting, Finance, Systems Development and Management. In 1998 I joined the world of Financial Planning and Money Concepts. I am the Franchise Owner and President and am very proud to serve the Durham region.
Some areas of specialization include:
- Severance package review and commuted value analysis;
- Retirement Projection and Investment Planning
- Education Savings and Investment Planning
- Estate Planning and Insurance or Investment Planning
Call me today for your complimentary planning consultation at (905) 430-4651.
Email Deborah
About Money Concepts
Money Concepts is an independent Canadian Financial Planning Company with a nation-wide association of franchised financial planning centres, offering a comprehensive spectrum of planning, products and services. The social and economic fabric of our society is changing and with these changes, we can no longer rely on government and corporate pensions to look after our financial needs. Now, more than ever, Canadians need to take charge of their financial futures. Never before has there been such a complex choice of personal financial products available to the public. With all these new financial products and services, most of us lack the time or expertise to develop a financial plan on our own. As a result, personal financial planning has become a daunting prospect to many Canadians. At the same time, it has never been more important.
A History of Growth
The birth of Money Concepts can be traced back to golf legend, Jack Nicklaus. In the early 1980’s Nicklaus teamed up with businessman Jack Walsh after the two men identified a growing need for financial planning services. Together, they formed Money Concepts in the USA. The company was a success and quickly expanded to Great Britain, Ireland and Australia. In 1984, Canadian founder Grant Sylvester left his senior executive position with a major financial institution and obtained the rights to create Money Concepts in Canada.
Grant Sylvester based his formula for success on providing objective, personal financial management services. Money Concepts is an independent company, free to choose the financial products and services which best match each client’s specific needs. The wisdom of this personal, objective approach meant that the dream of a nation-wide franchise was soon realized. Money Concepts quickly grew into the Canadian success story it is today.
In 1997, after over a decade of successful growth, Grant Sylvester opened ownership in the parent company to individual franchise presidents and employees. Money Concepts is a true team company with franchisees playing a direct role in the success of the parent company as well as their own franchise.
A Future of Growth
The Money Concepts approach works. Today, Money Concepts has grown into a network of franchises with regional support offices and hundreds of financial planning consultants offering a comprehensive range of products including:
Mutual Funds, Money Market Funds, RRSPs, RRIFs, Immediate and Deferred Annuities, LIFs, GICs, Company Group Benefit Programs, Life Insurance, Disability Income and Accident Insurance, Travel Insurance, Segregated Funds.
Money Concepts is set for substantial growth. Experts agree that the financial services sector will continue its rapid growth in attractiveness and significance in the new economy. The mutual fund industry alone indicates the franchise’s growth potential. At the end of 1983, a year before Money Concepts was incorporated, the Canadian Mutual fund Industry had about $10 Billion in assets. By 1997, that figure jumped to $212 billion. That’s incredible growth!
Our goal at Money Concepts has always been to give people the tools to achieve financial independence. Through an integrated approach to personal finance, we help our clients do four things:
- Assess their current financial situation;
- Sort out their financial priorities;
- Set realistic goals; and
- Put the financial tools in place to achieve these goals.
As an independent company, we are free to choose the financial services and products that best meet our clients' needs. And that's the way it should be.
Who is Industrial Alliance?
Founded in 1892, Industrial Alliance Insurance and Financial Services Inc. is a life and health insurance company that offers a wide range of life and health insurance products, savings and retirement plans, RRSPs, mutual and segregated funds, securities, auto and home insurance, mortgage loans and other financial products and services. The fourth largest life and health insurance company in Canada, Industrial Alliance is at the head of a large financial group, which has operations across Canada, as well as in the Western United States. Industrial Alliance contributes to the financial wellbeing of over three million Canadians, employs more than 3,300 people and manages and administers over $51 billion in assets. Industrial Alliance stock is listed on the Toronto Stock Exchange under the ticker symbol IAG. Industrial Alliance is among the 100 largest public companies in Canada.
What does Industrial Alliance mean for Money Concepts?
A Member of the Industrial Alliance Group, Investia Financial Services Inc. has been in operation since 1999. Our financial services firm offers a range of products and services associated with the distribution of investment funds and segregated funds.
Investia Financial Services Inc. offers your advisor the strength and stability of a large company, combined with independence and a wide variety of product choices. With Investia Financial Services Inc., your advisor is able to provide you with the investment product that suit you best. Investia Financial Services Inc. offers your advisor access to Canada’s top mutual fund companies.
As a Money Concepts client, you will have access to a large selection of Canada’s best financial products. Money Concepts and Investia Financial Services Inc. Canada Inc. are committed to helping you, and your family, achieve your financial goals.
