As a financial and estate planning firm, our clients are coming to us because they have an idea. Sometimes it's a really clear idea; sometimes it's still forming. Sometimes they're trying to deal with a real problem, and other times there's something they want to achieve. Regardless of the situation, however, they come to us to help them. And that's what we love to do the most.
Financial matters can be challenging - even when things are going well! So the starting place for all our work is to craft a plan based on what's truly important to you. When our plans are in tune with your biggest priorities, then it gives everyone the trust to carry it through to fruition. And that trust fuels the discipline it takes sometimes, when the going gets tough.
Whether you're starting a family, buying a home, saving for your children's education, planning your retirement, or thinking about what legacy you might leave behind, we really can help.
If you want to eliminate the guesswork that so many people experience when they try to plan their financial future, call us. If you want to have more confidence in your investment decisions, come spend some time with us. If you want to protect yourself and your family from the financial hardships that illness or accident can bring, it's worth spending some time together. And if you are considering how to transition wealth to the next generation in a way that is meaningful, responsible and lasting, it makes sense to create a clear plan so that everyone knows your wishes.
Our goal is to support you in pursuing your goals. Come share them with us.
The challenge is that protecting yourself, your family and your assets comes with a lot of questions. What types of insurance do I need? How much is enough? Will it protect me against the most likely risks?
The only way to answer these questions with confidence is to conduct a needs analysis that will bring clarity to your needs, and then point to the appropriate solutions.
Life Insurance, Critical Illness Insurance, Disability Insurance and Individual Health Plans are powerful ways to deal with the risks to your family or business. Let us help you identify which ones are right for you.
Estate Planning services are designed to do some very important things. First, they are not used simply to decide what to do with your assets when you die. Estate Planning starts by taking a good look at how to minimize the taxes you pay and maximize the money you have available so that you can live the kind of life that you want.
The next place it looks is to ensure that what happens with your wealth when you die, happens according to your desires. A Will is typically seen as a tool to do that, and while it is a key element, it is not the only thing required. More than this, proper planning will minimize probate fees and other taxes that will become payable, while protecting assets for children and grandchildren.
Estate Planning helps you live the life you want today, and secures the legacy that you want to leave for the future.
Hand-in-hand with Estate Planning is Charitable Giving. Charities, educational institutions, medical institutions and other organizations all struggle with budgets that continue to tighten, and they are increasingly appealing to individuals to support their incredible programs, research and services.
Many of us here at O'Farrell Financial, and many people in our community, have been touched by these various services and want part of their legacy to support reputable, charitable organizations. If you're one of those people, come and sit down with us so we can show you how to use tax intelligent steps to redirect assets to a cause that's meaningful. We can all make a difference in our lives, and with Charitable Giving you can make a difference with your Legacy as well.
Every year we work with clients who want to know that they are on the right track to a retirement they can trust. We support them with planning and then help them make great choices about what instruments they should use in their preparation.
Retirement Savings Plans (RSPs), Payout Annuities and Registered Retirement Income Funds (RRIFs) are all excellent tools when used the right way for your situation. Spend some time with us and we'll show you how they work, and how they can work for you.
Our investment strategies are individually created after we complete an in-depth conversation using a detailed questionnaire. We want to know your investment objectives and how you view risk from the very beginning. Once this is defined, we can create an investment strategy that is designed to minimize risks while pursuing your targets for growth.
And if you're in need of a mortgage, or if your existing mortgage is going to renew soon, our mortgage specialist will be happy to assist you.
A description of the key features of the segregated fund policy can be found in the information folder.
Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value.
We're active with hundreds of business owners and professionals, supporting them with clear advice that fits their specific needs when it comes to:
- Group Insurance
- Pension Plans
- Salary Continuation Plans
- Executive Compensation
- Shareholder Agreements
- Key Person Strategies
- Succession Planning
Working alongside the legal and accounting teams they already have (or making introductions when they are in search of a support team), we provide business planning services for sole proprietors, professionals and private corporations.
Getting the most out of your business requires a team, and it requires a plan. If you have questions about either, call us to start the conversation.
Anything and everything that takes place in business, Keeley has fine tuned for me. It has come to the point, that I do not make a financial business decision without consulting with her first. The best thing that could ever happen to a person is if Keeley takes you on as a client.
Dieter Hardke D.C.
We have been very happy with the services we have received since we have moved to O'Farrell Financial. Everyone that we have worked with has been very patient & clear in answering all our concerns & questions & we really appreciated this. We have also recouped all the monies we had lost with our previous advisers. This ,too , makes us very happy. Moving to your financial business was definitely a great move for us.
Rene and Noreen Richer
As new clients of O`Farrell Financial Services, we are very impressed and pleased with their services. The comprehensive financial advice and personalized services they provide is next to none. Thanks to their innovative planning tools, we are confident that our immediate and future financial objectives will be met.
Marguerite and Yvan Clermont, Ottawa
I first met Richard Lewis approximately 2 years ago, when my wife and I had been retired for 8 years. At that time, I wanted to reaffirm that the steps I had personally taken in my investment portfolio would be appropriate for our advanced years. Richard has met with us several times to discuss these matters and he has proven to us that he has a vested interest in our future. His advice on tax saving implications has been quite helpful as well as other matters of financial guidance and assistance. We were pleasantly surprised in his "no hard pressure" sales approach often used by some investment representatives. Richard was able to bring me peace of mind in how I had been dealing with my investments and to point me in the right direction in other aspects that I may have been missing in my portfolio. He impressed me with his honesty and dedication in caring for our requirements.
John Cowden, Kemptville, ON
Just a quick note to say I got my financial statement last week and they showed the biggest positive since I've owned them. I know there is some luck involved but from what I see you are the biggest part of the positive turn around. Thank You Rick!
Kevin Lee, Kanata, ON
When my husband passed away I had just retired. The need to find reliable financial guidance was extremely important. O'Farrell Financial Services Inc. and their staff, not only treated me like family, but provided the financial assistance I could trust!
Donna Webb, Ingleside, ON
We are pleased with the results of our association with O'Farrell Financial Services Inc. When our handicapped son neared the age of majority, it became important to us to make arrangements now that would protect his future security when we were no longer able to care for his needs. We found the advisors at O'Farrell Financial thorough, friendly, well-informed, willing to listen and hard-working. We feel that we have achieved a package that is right for us with sustainable benefits for our son.
John and Fran Brauneisen,
It has been a wonderful experience for us to have O'Farrell Financial Services Inc. manage our investment portfolio. The expertise and wealth of knowledge that Mr. Dermid O'Farrell has on income earning insurance policies and the tax saving implications on them has been amazing. We have utmost respect for Mr. O'Farrell and his company. He has proven himself to us by dedicating countless hours studying our financial portfolios and meeting with us to discuss the best ways possible to secure our financial futures. It was with great confidence that we committed our investment portfolios and life savings to be managed by O'Farrell Financial Services Inc. Everyone in this company truly demonstrates professionalism at its best! Knowledge is empowerment, and the service has truly given us the confidence in achieving the financial goals set forth for our family to achieve. Having a keen, knowledgeable, forthright and honest businessman working for us and showing us that his company has a vested interest in our family is most assuring.
Marie and Ian MacNaughton,