Personal Financial Advice
with Sandra Foster, president of Headspring Consulting Inc.
Sandra Foster is a fee-for-service financial planner and holds
the following designations: Certified Financial Planner (CFP), Canadian
Investment Manager (CIM), Registered Financial Planner (RFP), Certified
Human Resources Professional (CHRP), Trust and Estate Practitioner
(TEP), Fellow, Canadian Securities Institute (FCSI).
Sandra Foster/Headspring Consulting Inc. do not sell or recommend
any specific investment or insurance products.
Many of our clients are looking for a second opinion, preparing
for retirement, dealing with divorce, surviving job loss or want
to get their estate plan organized.
For more information on financial plans, download our "Assessing
Your Financial Plan" (pdf) from Who's Minding Your Money.
The Process
We will review and analyze the information you provide to us. In
the first meeting, Sandra Foster will discuss your current situation,
priorities and the information you bring. After this meeting, Sandra
Foster will analyze your situation. You'll then meet again to discuss
her analysis and recommendations. We will provide you with a copy
of our analysis and where appropriate financial illustrations and
projections for greater understanding of the potential outcomes
of your alternatives.
What to Bring
At a minimum, we require copies of (if you have them):
- copies of your RRSP/RRIF and other investment accounts
- employment and pension benefits
- a summary of your annual expenses
- a summary of your liabilities
- your tax returns for the last 2 years
- any business interests you may have
- copies of your will and power of attorney documents
- a list of any other assets you may have
- life insurance policies, and
- any other information relevant to your financial situation.
Implementation
We do not expect to be involved in the implementation. However,
Sandra Foster will be available on an on-going retainer basis, by
telephone or in person, to answer questions, to assist you or your
other advisors to take necessary actions, and to make recommendations
regarding these matters. These additional services are based on
our retainer agreement.
Limitation of Scope of Services
The analysis provided is not designed, and should not be relied
upon, as a substitute for using your own judgement, nor is it meant
to mitigate the necessity your personal review and analysis of any
particular strategy. The services offered are designed to supplement
your own planning and analysis and assist you in fulfilling your
financial objectives.
All information provided to Sandra Foster/Headspring Consulting
Inc. by you will be kept personal and confidential and will be used
only within the limits authorized by you.
Fees
Under a fee-for-service arrangement, you pay by the hour (subject
to the minimum charge) for financial advice, second opinions or
acting as an expert witness. This compensation method is similar
to what you might pay if you hired a lawyer or an accountant.
For more information, or to book an appointment with Sandra Foster,
please call (416) 642-3980.
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