TOPICS
Using Credit Cards
for Good
Credit cards are part of most people's lives these days. Some purchases can only be made via credit card, and without a credit card, building a good credit score is nearly impossible. So how can we use these financial tools without racking up debt? What points programs best? Learn about the types of purchases that should go on a credit card, and the types of expenses that increase the risk of carrying a balance. This session will provide you with some practical information and tips to make the best debt decisions possible.
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You can book this session as a 30- or 60- minute presentation. Attendees will walk away with tips to help them make the most of their credit cards while managing the inherent risks.
Book a call to discuss this topic.
Debt Management Strategies
When it comes to how it impacts our finances, many Canadians would agree the cost of repaying debt is second only to income tax. Debt is a reality for most of us, but it can be managed efficiently. When should refinancing be considered? What are the risks to carrying debt into retirement? How can people make a plan to repay their debt before they retire? In this session, attendees will learn simple strategies to measure their current debt against their financial goals, including several automation strategies that make it easier to pay off debt more quickly.
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You can book this session as a 30- or 60-minute presentation. Attendees will walk away with some practical information, including tips to make the best debt decisions possible.
Book a call to discuss this topic.
Credit Building Strategies
Credit impacts more aspects of life than borrowing, and that’s likely to continue.
In this session, attendees will learn how credit scores work, and the various ways that score can affect their lives. We’ll also cover several concepts attendees can use to improve their credit scores over time.
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You can book this session as a 30- or 60-minute presentation. Attendees will walk away with some practical information, including tips to help them use their credit score to their advantage.
Book a call to discuss this topic.
Spending Behaviours
and Strategies
Many people feel they should be getting more from their income. It can be frustrating and overwhelming to try to change spending habits or follow a traditional budget.
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While traditional budgeting seems logical, most people struggle with the complexity of behavioural changes. We’ll cover how to make simple changes that will help attendees take advantage of their natural financial behaviours.
You can book this session as a 60- or 90-minute presentation. Attendees will walk away with some easy-to-follow spending changes, including simple ways to measure their progress.
Book a call to discuss this topic.
Retirement Income
Planning
About 70% of Canadians are not sure they’ll have enough to retire.
Attendees will learn about the impacts of taxation and debt on retirement income. They’ll also get a real sense of their unique retirement income needs, and learn the right questions to ask those who manage any part of their nest egg. No one should have to wonder, “Do I have enough?”
This session includes several interactive exercises to help attendees determine their retirement income need, and then measure that need against their future potential resources.
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You can book this session as a 60- or 90-minute presentation. Attendees will walk away with some practical concepts to help them understand how prepared they are for their financial life after work, including what changes to make to help them feel more confident about a successful retirement.
Book a call to discuss this topic.
Emergency
Savings
More than half of Canadians are less than $200 away from insolvency, and many do not have access to adequate emergency savings. It can be challenging to carve out the money to build up a financial cushion.
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Attendees will learn first how to calculate their emergency savings need, and then how to find the money to fund that goal. We'll review the common types of financial emergencies that attendees may experience. We'll also cover how to rebuild savings after any withdrawals.
You can book this session as a 30- or 60-minute presentation. Attendees will walk away with simple strategies to set up and keep up emergency savings behaviours.
Book a call to discuss this topic.
Setting Financial
Goals
It's challenging to make long-term behavioural changes with your finances when you don’t have any goals. Setting different types of goals simultaneously can ensure short-term rewards. These are crucial to create sustained change and long-term goals, which need to be saved consistently over long periods.
Attendees will learn how to uncover and map specific financial goals over the near, mid and long term. We'll share strategies to help people fund various goals, along with easy ways to automate contributions and track progress.
You can book this session as a 60- or 90-minute presentation. Attendees will walk away with ready-to-use goal-setting skills, as well as practical methods to fund those goals.
Book a call to discuss this topic.
Book a call to discuss this topic.
Major Purchase
Planning
Major purchases, like buying a new car or doing a home renovation, can have significant rewards and consequences.
Attendees will learn how to balance saving and borrowing for significant purchases. We’ll review effective techniques to set goals around big-ticket items in the future.
You can book this session as a 30- or 60-minute presentation. Attendees will walk away with some practical information, including tips to make the best decisions possible.
Book a call to discuss this topic.
Managing Summer
Spending
When summer is approaching, many people spend on plants, lawn care equipment, or reinventing their outdoor space.
This session will help attendees plan for summer spending. Whether you’re considering a vacation to a lovely cottage on the coast, or wondering how much is too much for kids’ activity camps in the coming weeks, we’ll explore how to think about planned spending for the summer.
Attendees will learn practical strategies to get the most out of their summer without sabotaging their financial health. You can book this session as a 30- or 60-minute presentation. Attendees will walk away with some practical information, including tips to manage summer spending.
Book a call to discuss this topic.
Post - Secondary
Education Costs
Does your team or group have children who one day plan to attend a post-secondary program, or are they already there? It can be particularly challenging if they need to fund saving for university while simultaneously saving for retirement.
In this session, attendees will learn simple ways to save for their children’s future education, and how to help kids make the most of those resources when they are using those funds. We’ll cover practical strategies to help their children afford the education that lines up with their future goals while minimizing student debt.
You can book this session as a 60- or 90-minute presentation. Attendees will walk away with some concepts to help them afford education without causing financial harm. We encourage groups to have attendees invite their university-age children to join the session.
Book a call to discuss this topic.