Financial Planning

Financial planning is more than a series of transactions. It is a process that determines how you can best meet your life goals through the proper management of your financial affairs. At Raymond James, each advisor has the unique freedom to offer objective, unbiased advice. Which means everything we do is client focused, not transaction focused.

Comprehensive Approach

The key to effective financial planning is the ability to take into account all relevant aspects of your financial situation and to identify and analyze your unique objectives. Think of it as a continuous life-long process, prioritizing and guiding your personal financial decision-making and imposing order on your financial life as you live it. A financial plan for you and your family creates a comprehensive and integrated roadmap as you travel through your life's stages.

Key Financial Planning Components

As your financial plan evolves it will focus on these key components:

Setting Financial Objectives

A financial plan starts by knowing where you are now - an inventory of current financial assets and liabilities - and where you want to be in the future. How much do you need to set aside for the major purchases and events in your family's life, including your dreams for retirement? How do you finance your vision for your future? A financial plan helps you find the answers.

Financial Management

This is much more than balancing a cheque book every month. It's a cash management program to deal with debt reduction as well as prioritizing and managing your income and expenses.


Protecting yourself from the unexpected plays a crucial role in a complete financial plan. Your Raymond James advisor will help you consider other ways to plan for your financial future, including a wide array of insurance solutions that offer an additional layer of protection for you, your family or your business. From life insurance to long-term care, we help make sure you are prepared for life’s unknowns.

Investment Planning

Your investment strategies will change over the course of your life, reflecting a shift in asset allocation and investment diversity according to your changing financial needs and risk tolerance as well as the inevitable changes in the market, government tax laws and economic conditions.

Tax Planning

Effective tax planning involves knowing how to save, invest and spend while minimizing your tax burden. It begins for many with individual RRSPs and TFSAs and RESPs for their children. Down the road, more complex tax strategies come into play as estate planning objectives dominate your financial plan.

Retirement Planning

Whether you are early in your career, starting to contemplate retirement or already retired, we can help ensure you have the resources you need for the retirement lifestyle you want. We offer a comprehensive range of retirement planning services and savings options to help with planning your retirement. In addition, we can assist you in developing your overall financial plan to achieve specific goals through targeted tools, including individual pension plans, traditional RRSPs and TFSAs.

Estate Planning

Effective estate planning requires both the right vehicles - such as trusts, wills and insurance - combined with the prudent selection, balance and placement of investments. By drawing from Raymond James' extensive array of tax, trust and financial planning expertise, your financial advisor can help ensure your wishes are implemented.

Learn about the full suite of trust services we offer.
Small Business Planning

Raymond James can help you develop, implement and monitor retirement and benefit plans that suit the needs of your business and your employees. Need help with your exit strategy? Whether you need assistance with valuing your business, assessing the tax implications, positioning your company for sale, or investment banking, we can help.

If Not Now, When?

A financial plan is about you, your family and the kind of future you want to create. The earlier you start a plan the better, but everyone, no matter what age or stage in life, will benefit by the planning process. If you're not already working with a Raymond James advisor, we invite you to contact one or more in your area. We're confident you'll find a financial professional who's right for you.

Raymond James Financial Planning Ltd. (“RJFP”) is a subsidiary of Raymond James Ltd. which acts as a life insurance agency in connection with the sale of insurance products in all provinces except Quebec. In the province of Quebec, RJFP is licensed as a financial services firm. Financial planning services are available through Raymond James Financial Planning Ltd.

Find an advisor in Canada

At Raymond James, our financial/investment advisors have the freedom to offer unbiased advice that’s right for you.