Personal Financial Planning Seminar

Invest a little more in your staff it will pay huge dividends

Although Gary Bennett has retired from his practice of serving individual clients as a Certified Financial Planner, he does conduct group seminars covering the essential topics of financial planning and time proven strategies to achieve financial independence.

Businesses invest considerable time and money developing their employees into productive assets.  The longer the employees remains with the company, the greater return the company receives on that investment.

Research shows the one of the greatest reasons for discontent on the job is financial insecurity in their private lives.

Let a Bennett Business Financial Seminar on Personal Financial Planning help keep your employees focused on your corporate objectives when they are on the job.

Help to ensure that your company’s investment in your staff will continue to pay dividends for years to come by making your employees content with their careers.

Help your staff avoid the most common mistakes that investors make:

  1. Not starting their financial planning early enough.
  2. Failing to list their financial goals.
  3. Not developing an effective savings program.
  4. Failing to assess their tolerance for risk.
  5. Ignoring the risk of inflation.
  6. Forgetting the effects of taxation.
  7. Not having an asset allocation strategy.
  8. Being in the wrong investments at the wrong time.
  9. Being emotional about their investment decisions.
  10. Not giving their investments regular attention.
  11. Not having a strategically coordinated investment portfolio.
  12. Not maximising their R.R.S.P. program.
  13. Postponing effective estate planning.
  14. Not choosing an effective investment advisor.

A Bennett Business Personal Financial Seminar will enable your employees to evaluate and implement proven strategies to secure their own financial future.  It will cover the following topics.

Creating a Personal Profile

This will involve a self-analysis of one’s family situation so that the plan can be developed to reflect that reality.

Goal Setting

This will involve setting financial goals in measurable terms so that one can assess one’s progress in implementing the plan and take appropriate action.


Current Financial Position

This will involve reviewing one’s current financial situation by ascertaining one’s:

  • net worth,
  • cash flow situation,
  • budget planning,
  • debt situation – including the type of debt and debt management,
  • current cash-flow situation,

Detailed Analysis of One’s Current Investments

This will include all assets and asset types, not just securities.  This will involve determining and describing:

  • the current asset types that you own,
  • the asset mix ratio of your investment portfolio,
  • the degree of liquidity of your assets,
  • one’s level of risk tolerance.

Income Tax Plan

This will involve:

  • a general description of the tax system,
  • a review of one’s current tax situation,
  • outlining several tax saving strategies and suggestions.

Savings Program

An effective savings program is the cornerstone to successful investment planning.  This section will demonstrate:

  • several saving strategies to fit your personal situation,
  • an effective bank account structure,
  • tax free savings accounts,
  • an income allocation plan.

Investment Planning

The investment plan needs to match your long term goals and take your risk tolerance into consideration.  The plan will discuss:

  • the various investment criteria,
  • the various types of investments, that you currently own or may own in the future.  This description is not limited to securities but will also include real estate, precious metals etc.,
  • current and desired asset allocations,
  • a variety of strategies and suggestions.

Education Planning

The plan will demonstrate a variety of tax reduction and deferral strategies to save for your children’s or grandchildren’s education including:

  • registered education savings programs, ‘in trust’ accounts.

Retirement Planning

The plan will show you how to integrate the various aspects of your investment portfolio with your:

  • registered savings plan,
  • tax free savings account,
  • registered income funds and annuities,
  • corporate pensions,
  • government pensions.

Insurance Plan

Description of need for risk control and purpose of life, property, automobile, disability, and business insurance.


Estate Planning

Purpose of this part of the plan is to maximize the estate that you pass onto beneficiaries, while minimizing your estate taxes and meeting your goals.  It will discuss:

  • the necessary components of your will,
  • the use of joint tenancy,
  • designating beneficiaries,
  • personal gifting,
  • charitable giving,
  • using family corporations,
  • the use of trusts.

‘Things to do’ Checklist

Each seminar attendee leave the seminar with a far great wisdom about their personal financial planning.  Each attendee will be given a ‘THINGS TO DO CHECKLIST to get them started.  This is a quick point-form personalized review list of what to do and when to do it.  Getting started on their road to financial independence will serve your company well for years to come.