Comprehensive Estate Planning

PREPARING YOUR WILL, PERSONAL DIRECTIVE AND POWER OF ATTORNEY 

Taking care of your family,
generation after generation

As a full service comprehensive financial and estate planning firm the CH Financial team is well-positioned to provide estate and succession planning advice.

Estate planning can be seen as an investment within itself towards how you want to arrange your finances, in a tax-efficient way, and have your wishes met after

you pass away. In addition, the process involves naming someone to make any necessary medical and/or financial decisions for you if you are unable to do so for a short or long period of time. There are several components to Estate planning.

WILL

A will is a planning tool used to distribute your estate simply and efficiently; allowing you to continue to provide for your family after your passing. Dying without a Will results in assets being allocated in accordance with the province you lived in; leaving no control to your loved ones, with further time and extra costs to reconcile your estate.

PERSONAL DIRECTIVE

A Personal Directive provides the ability to name someone whom you would like to handle your decision making on your behalf if you become unable to do so on your own. This legal document can include 

directions on how you want any medical needs met, both short or long-term care, and any arrangements of the family during this time. A personal directive can start immediately or when you become incapable.

ENDURING POWER OF ATTORNEY

Enduring Power of Attorney provides the ability to name someone to handle your financial affairs on your behalf, should you become unable to do so on your own. This may consist of paying bills, filing/paying taxes, opening your mail, banking, looking after your pets. Without a power of attorney, your spouse does not have any authority over the above-listed items.

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LIFE INSURANCE

Life insurance can provide financial protection for designated beneficiaries, as benefits are paid out tax-free and bypass probate. In many cases, without appropriate life insurance in place on the life of the passing family member, there can be a significant impact on the cashflow and life-style for remaining family members.

As an example, we recently had a client whose spouse had passed away. The CH Financial team was able to help with the processing of the Estate. With

overwhelming documentation and notification requirements during this difficult time, we met with our client to determine a schedule for addressing all matters. Establishing this schedule gave our client peace of mind, and a direction to move forward. As each area of the estate settled, we managed to maintain a level of comfort for our client.

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ARE WE A GOOD FIT?

Like you, we’re selective about the long-term relationships in which we engage.

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce”.

If this describes you, let’s set up a meeting and
get to know each other.

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Are we a good fit?

We’re looking for aspirational clients who require the whole spectrum of financial services because managing the whole is how we’re able to deliver unbeatable value – it’s our “secret sauce.”If this describes you, let’s set up a meeting andget to know each other.

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I just want to say we have been with your team since 1993, and we have never had any bad advice. The investments you set up for us during this time has paid for university education for our two granddaughters and provided a significant monthly income for us to augment our pensions.

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We are with you for the long run and are not going anywhere. Jeremy has told us that at these times the numbers tend to scare you, but you haven’t really lost anything if you don’t panic and sell.

Ken M, Calgary

With CH Financial since 1993

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When I became a client of CHF it was a real game-changer as I was going through a very difficult time both professionally and personally.

I went through a divorce and the loss of a job and a parent, all within a 12-month period. While it was very tough to deal with at the time, I was reassured by the fact that the team at CHF had my back and really cared about me and what I was going through.

Looking back now, I’m not sure how I would have managed without the support of the CHF family.

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Jeremy and his team were there every step of the way to help me navigate my way through the complexities of a divorce and inheritance. They got me back on track both financially, as well as emotionally.

I have now been a client of CHF for over 10 years and thanks to their expertise, I know that my family will be well taken care of for many years to come. I am now in a position where I don’t need to worry about money thanks to a solid financial plan.

I would highly recommend the CHF team to others going through life-changing and difficult situations as your financial partner.

Linda, Victoria

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As an investment industry professional, I am constantly on the go and maximizing my peak career earning years in my 40s. With travel and work commitments I am very limited for time to spend with family and do the things I love to do and chose CH Financial to allow me more freedom and lifestyle balance.

Being in the investment industry my whole career and an extremely busy professional, I know I could probably do a good job at managing my money as I work in the industry after all while I rely on and trust the CH Financial team that they will take care of the details, both growing my assets as well as taking care of every aspect of my financial situation, including my tax, investments and insurance, they simply take away the stress of having to worry about it all and help me to navigate the complexities for me so it all meshes together and importantly saves me valuable time and headaches.

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At the end of the day, the reality is I truly value my time and the opportunity cost of my time and would rather hire the best in the industry so ultimately my wife and I can do the things that we love to do, have more leisure time, relax and enjoy spending time in the great outdoors, exploring new countries, hiking in the mountains and volunteer work.

Since engaging CHF more than 5 years ago we have enjoyed significant growth in our investments but more importantly, we have peace of mind and sleep much better at night knowing the team at CHF has our financial back and anything financial they will take care of for us.

I would have absolutely no hesitation in recommending the team at CHF to other career-focused busy professionals who really value their time and lifestyle balance.

Kevin & Sharron, Calgary

Financial industry professionals

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Prior to joining CH Financial as a client, I had been partially managing our investments and using a bank-owned broker for many years, with moderate success. When we became clients of CHF, I quickly realized how little I knew about the complexities of managing investments and the importance of seeking out the best specialists in the industry to assist with my family’s full financial picture.

Brian and the team at CHF encouraged us to take an introspective look at our assets and expenditures and even helped us implement a comprehensive budget. The team really stepped up to take care of all aspects of our financial picture, including portfolio design, CH Financial introduced us to a lawyer who took care of everything for us, estate planning and tax, while helping us simplify our financial affairs.

Being of the sandwich generation my wife and I spend considerable time caring for our surviving parents and our grandkids, so

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freeing up valuable time is essential to allow us to do the things we love to do. The team at CHF takes care of the details and today my wife and I enjoy a comfortable, stress-free financial situation.

Over the years as a client of CHF, both our portfolio and wealth has grown exponentially, more than we could have ever imagined. Now that we are both happily retired, having the CHF team in our corner helps us to sleep better at night knowing that our somewhat complex financial puzzle is being looked after by a team of people that really care, as opposed to being treated like a number by a big bank.

I would have no hesitation in recommending the CHF team to others looking for a superior financial home in Calgary and a safe place to invest your hard-earned money.

Ian C, Calgary

Comfortably retired thanks to CH Financial