Financial Workshop Series – Spring 2023

We’ve broken things down into bite-sized sessions, so any member of any age can join to learn all essential aspects of their finances. Too often, we wait to do our retirement planning until we’re too close to retirement. And, too many financial plans or strategies don’t deal with debt, credit or cash flow management.

These sessions will be recorded and accessible after, but we highly recommend you join live for as many sessions as possible. For each session you attend LIVE, you will receive a ballot for our monthly prize draw.

Spending & Cash Flow

Tuesday March 28 @ 10:00am (2 hours)

This session is a must if you haven’t attended any financial webinar from Stephanie
Holmes-Winton before. No matter how close or far away retirement is, your cash flow is
a crucial component of your financial health. This session will provide you with practical
strategies to increase your cash flow capacity even if you feel like you’ve got that part of
your finances under control.

Join live to learn about:

  • Strategies to manage cash flow to make the most of your resources
  • Behaviour-based cash flow management and how it’s different than budgeting
  • How to free up more cash flow to save and invest in your future without giving up your lifestyle today

Debt and Credit

Tuesday, April 4 @ 10:00am (2 hours)

In this session, we cover debt management strategies for those who are decades away
from retirement, as well as those who will be retiring soon. Debt is a financial
power tool, and even if you are on track to be debt-free in retirement, you should still
join this session as credit can still play a role in your retirement. No matter how much
or how little debt you have, you’ll learn practical strategies to reduce the cost of debt
and improve your credit score. 

Join live to learn about:

  • How debt impacts current and retirement resources
  • How to ensure you’re on track to be debt-free by retirement
  • The difference between interest rates vs cost of debt
  • Why being debt-free by retirement doesn’t mean you won’t use debt during retirement (car loans and more) 
  • Debt negotiation strategies
  • How credit scores work and how they impact more than debt

Saving and Investing

Tuesday, April 11 @ 10:00am (1.5 hours)

In this session, we cover everything from how to calculate your emergency savings
goal to all of the other areas you can invest your money to grow your nest egg over
time. We review all of the common types of investments, including fees, taxation, and
easy ways to learn about the investments you already have.

Join live to learn about:

  • Saving for multiple goals at once
  • How savings interest rates work
  • Emergency savings goals
  • Types of investments
  • Risk, taxation and how to research different investment and savings options

Retirement Income Planning

Tuesday, April 18th @ 10:00am (2 hours)

Many of your decisions when you’re 25 or 35 will affect the quality of
retirement you’ll experience.  Don’t wait until you’re closer to retirement to join this
session.  It’s also not too late to join if you’re due to retire soon. There are so many
things you can control about how you take your retirement income. It’s so
important to know your options, and control all of those retirement variables you can,
to get the best possible outcome for you!

Join live to learn about:

  • What government and private sources that form your retirement income
  • How sources of income are taxed
  • The difference between RRSPs vs TFSAs
  • How different types of retirement income interact with each other

Financial Planning Q&A

RESCHEDULED TO: Tuesday, May 2 @ 10:00am (1 hour)

A financial plan isn’t worth the paper it’s printed on if you don’t use it. Too often, people have no written financial plan. Some have a really complicated binder full of projections but are unsure how to implement the strategies. Financial planning is not one-size-fits-all. If you own multiple properties or a business, you may need a more complicated plan. But you may need a simple modular plan that covers certain aspects of your finances. Find out more about financial planning and how to evaluate your needs. Learn about the people and organizations that provide financial plans or planning tools. 

Join live to learn about:

  • The difference between full financial plans vs. modular plans
  • Which financial products are often involved in financial planning
  • How to protect your financial plan
  • The different types of financial professionals 
  • What fees and commissions are
  • How to interview and choose an advisor