The sooner you start an RESP, the more time it has to grow, just like your little ones.
The sooner you start an RESP, the more time it has to grow, just like your little ones. 🎓📈 Let compound interest, government grants, and
🎓📈 Let compound interest, government grants, and smart planning work together to fund their future dreams. You don’t need to have it all figured out—just take the first step. 💡
#RESP #EducationSavings #StartEarly #InvestInTheirFuture #SmartMoneyMoves #FinancialPlanningForFamilies #CanadianFinance #CompoundInterest #FinancialAdvisorLife #FinancialByDesign #SarniaFamilies #FutureReady #ParentGoals #EducationMatters
Monday mindset: collaboration, clarity, and client care.
Monday mindset: collaboration, clarity, and client care.
At Financial by Design, our week starts with intention, planning, and strategizing, to ensure our clients receive
At Financial by Design, our week starts with intention, planning, and strategizing, to ensure our clients receive the thoughtful, personalized service they deserve.
Strong financial planning is rooted in strong communication—and that starts right here, every Monday morning. 💼☕️
#FinancialByDesign #TeamworkInAction #WomenInFinance #MondayMindset #StartWithIntention #SarniaBusiness #BehindTheScenes #FinancialPlanning #CollaborateAndThrive #ClientCareFirst #FinanceWithHeart #LeadershipInAction #WomenSupportingWomen #FinancialWellness #LambtonCountyBusiness
💡 Ready to take control of your finances?
💡 Ready to take control of your finances?
Here are 6 practical money tips….
Here are 6 practical money tips from Certified Financial Planner, Jodi Dark, to help you build a stronger financial future — one smart step at a time.
Start small. Stay consistent. Your future self will thank you. 🙌
#MoneyManagementTips #FinancialPlanning #SmartMoneyMoves #BudgetBetter #DebtFreeJourney #WomenInFinance #FinancialByDesign #SaveWithPurpose #MoneyGoals #RetirementPlanning #WealthBuilding #FinancialConfidence #SarniaFinance #CFPadvice #sarniaontario #supportlocalbusiness
Step into a space designed for clarity, comfort, and confident decision-making.
Step into a space designed for clarity, comfort, and confident decision-making.
At Financial by Design, every detail — from your financial plan to the atmosphere we meet in — is created with you in mind.
Here, we don’t just talk numbers. We talk about your goals, your values, and your vision for the future.
We'll help you design a plan that feels as good as it looks.
#FinancialByDesign #ClientExperienceMatters #SarniaFinance #WomenInFinance #MoneyWithIntention #PlanWithPurpose #FinancialPlannerOffice #ModernFinance #WelcomingSpaces #PersonalizedPlanning #FinancialGoals #CFPCanada #SmartMoneyMoves
Does this sound familiar?
Does this sound familiar?
The cycle of paying off debt while feeling stuck and unable to save can be overwhelming. 😟 But it doesn’t have to be this way!
The cycle of paying off debt while feeling stuck and unable to save can be overwhelming. 😟 But it doesn’t have to be this way! At Financial By Design Inc., we believe in breaking this cycle by creating a personalized financial plan that prioritizes debt management while fostering savings.
Together, we can develop a strategy that helps you regain control of your finances, reduce stress, and build a brighter financial future.
We turn the chaos into clarity!
#DebtFreeJourney #FinancialWellness #SavingsPlan #WomenInFinance #FinancialByDesign #EmpowerYourself
Empowering your financial journey, one conversation at a time.
Empowering your financial journey, one conversation at a time.
Money talk doesn’t have to be uncomfortable
Money talk doesn’t have to be uncomfortable — in fact, it’s one of the healthiest things you can do for your relationships and your future.
Whether it’s chatting…..
— in fact, it’s one of the healthiest things you can do for your relationships and your future.
Whether it’s chatting with your partner about shared goals, teaching your kids the value of saving, or having regular check-ins with your financial planner… open, honest conversations build confidence and clarity.
It’s not just about numbers — it’s about aligning your finances with the life you want to live.
Let’s normalize talking about money. The more you do, the better the decisions you’ll make.
#FinancialByDesign #TipTuesday #TalkAboutMoney #FinancialWellness #MoneyConversations #FinancialConfidence #PlanWithPurpose #FamilyFinance #WomenAndWealth #MoneyMindset #SarniaBusiness #CanadianFinance #StartTheConversation
Wondering if it’s time to work with a financial planner?
Wondering if it’s time to work with a financial planner?
From planning for retirement to managing debt, navigating….
From planning for retirement to managing debt, navigating life transitions, or just wanting peace of mind — having a trusted expert in your corner makes all the difference.
Sometimes the smartest money move is simply asking for help.
#FinancialPlanning #MoneyGoals #SmartMoneyMoves #WealthWellness #FinancialAdvisor #InvestInYourFuture #SecureYourFuture #RetirementPlanning #PeaceOfMind #MoneyMatters
Wishing you all the best Bonnie!
It’s a bittersweet week here at Financial by Design as we count down the final days with our wonderful Bonnie before she heads into a well-deserved retirement.
Since November 2016, Bonnie has been…..
It’s a bittersweet week here at Financial by Design as we count down the final days with our wonderful Bonnie before she heads into a well-deserved retirement.
Since November 2016, Bonnie has been an irreplaceable part of our team — bringing dependability, positivity, professionalism, and a whole lot of heart into everything she does. Whether she was organizing client needs, sharing a homemade gift, or making us smile with her stories of travels and adventures, Bonnie has truly left her mark.
If you’ve had the pleasure of working with Bonnie, we invite you to share a favorite memory or leave her some well wishes below! 💬
Bonnie — we’re soaking up every moment we have left with you and can’t wait to see you embrace all the exciting adventures ahead! 💛
Welcome Holly
Welcome to the Team, Holly!
We are beyond excited to officially welcome Holly to the Financial By Design family!
Holly joined us in March and,…..
Welcome to the Team, Holly!
We are beyond excited to officially welcome Holly to the Financial By Design family!
Holly joined us in March and, from day one, she’s felt like family. She grew up right here in Bright’s Grove and has a background in business from Lambton College. Holly has a genuine heart for people and brings such warmth and professionalism to everything she does.
She’s been married for 22 years, is a proud mom to two grown kids, and has built a beautiful life surrounded by close friends — many of whom sent flowers to celebrate her first day.💐
In her new role, Holly will be your go-to for appointment bookings, updates to your file, event planning, birthday cards, gifting, and so much more. She’s thoughtful, organized, and truly everything we could have hoped for in someone taking care of our clients.
Here’s what Holly had to say:
“Jodi, Michelle, and Bonnie have been so welcoming! I’m excited to learn, grow, and build genuine relationships with our clients. Financial By Design already feels like home.”
We are so lucky to have her and can't wait for you to meet her too!
Drop a little “welcome, Holly!” below to help us celebrate her!
Putting your money where your mouth is.
When you are talking about your goals and priorities, are they matching up with your actions?
Write down your…
When you are talking about your goals and priorities, are they matching up with your actions?
Write down your top 3 core values.
For instance, are you claiming that you are a good saver, that you like giving back, that you have a healthy lifestyle?
Now take a good look at your bank statement, do your transactions match what you
are saying?
Looking at the above example, if you are aligned with your core values, you should see that money is automatically going to a savings plan and you’re donating regularly to your favourite charity.
If your focus is on health, does your bank statement show lots of fast-food purchases?
Make sure that the ideal version of you matches your bank statement. It’s a good place to start.
Preparing for your taxes - 2025
While tax season isn't until the end of the year, there are some benefits to planning ahead so you have a clearer idea if you will receive a bill or a refund. One of the best ways is to be aware of the tax deductions and credits you may qualify for.
While tax season isn't until the end of the year, there are some benefits to planning ahead so you have a clearer idea if you will receive a bill or a refund. One of the best ways is to be aware of the tax deductions and credits you may qualify for.
Tax deductions vs. tax credits:
So, what’s the difference between a tax deduction and a tax credit, anyway?
Both can help lower the amount of tax you might have to pay, but they go about it differently.
Deductions work to lower your taxable income, so less of your earnings are subject to tax in the first place, potentially dropping you into a lower tax bracket.
Tax credits, by comparison, reduce the amount of tax you pay, potentially lowering your tax bill. There are two types of tax credits: refundable and non-refundable.
Refundable credits are paid out even if you don’t owe any income tax.
Non-refundable tax credits,however, can only be used to offset income tax you owe. While non-refundable tax credits can reduce your tax bill to zero, they won’t qualify you for a tax refund.
Popular tax deductions in Canada
Registered Retirement Savings Plan (RRSP) contributions
RRSP contributions are arguably the best-known tax deduction. They are so popular that a whole event has been built around the filing deadline. But it’s important to remember there’s a limit on how much you can contribute each year. For 2024, the contribution limit is $31,560, or 18% of your income earned the previous year, whichever is less. That said, unused contribution room carries over, so you may be able to contribute more if you haven’t maxed out your available contribution room from the previous year. Although you can make contributions at any time, the deadline to be able to apply those tax credits to your previous year’s earnings is typically 60 days after the end of the calendar year.
Keep watching our posts for more tax deductions..
Financially Secure
Want to create a better, more financially secure life?
It starts with you.
Make time to get clear on what your goals are and …
Want to create a better, more financially secure life?
It starts with you.
Make time to get clear on what your goals are and what it will take to get you there.
Work backwards from your dream and figure out how much it will take to make it come true.
For instance, if you would like to fund a family vacation, do the math to figure out the approximate cost. Let’s say that will cost 8,000$ in 1 year, then you have 52 weeks to save 154$ per week. If that is totally unrealistic for your current finances, don’t give up on that dream, simply stretch it out. Try 2 years as your goal, that means you have 104 weeks and you need to save 77$ per week.
It all starts with spending the time to figure out your goal.
What are your Money Beliefs
What money beliefs do you have?
Many times, these will stem from your childhood. How did your parents feel about money? Was there stress in the household about finances, lots of
What money beliefs do you have?
Many times, these will stem from your childhood. How did your parents feel about money? Was there stress in the household about finances, lots of fights about money?
Take a moment and think about what your past experiences around money have been and if those stories are still true to you today, OR , do you need to change the narrative.
It’s never too late to create a new money story.
Saying things like “I GET to go to work” instead of “I HAVE to work”.
Subtle changes in your language around money can make a big difference.
Practice saying:
“Making money is easy.”
“I am a money magnet.”
Change your feelings around money from stress and pressure to what it represents to you; freedom, happiness and success.
Let us know of any changes you see happening when you change your beliefs and start practicing new language around all things money.
Tips for Planning
Planning Tips!
Four Planning Tips!
1. Understand your cash flow by tracking your income and expenses.
2. Automate your savings and transfers to avoid late fees.
3. Consider financial protection to eliminate risk.
4. Consult a financial planner and plan now for a more secure future.
Life's Better with a CFP® Professional!
Life's Better with a CFP® Professional!
When it comes to navigating your financial future, having a Certified Financial Planner® professional by your side can make all the difference. Here’s why:
64% say they are a trusted source of advice.
65% say they show how financial planning helps save money.
62% say they simplify and explain financial matters.
62% say they develop a long-term plan tailored to their needs to help achieve financial goals.
60% say they adhere to a rigorous code of ethics.
Whether you're planning for retirement, saving for a major purchase, or simply want peace of mind, a CFP® professional can help you make informed decisions that lead to a brighter financial future. Life truly is better with a CFP® professional on your team!