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WHAT WE DO:

Together, we will create, execute and monitor a complete and unique cash flow based financial plan.  YOUR PLAN will balance today’s lifestyle desires, with tomorrow’s dreams, while protecting you and your family along the way.  Balancing today with tomorrow.

A unique, cash flow based financial plan. 

YOUR LIFE + OUR PROCESS = YOUR PLAN

We offer full service, cash flow based financial planning and  investment planning services.  We have the ability to source and design a portfolio for you, based upon the right blend of high interest bank savings accounts, GICs, stocks, bonds, mutual funds, individual equities and ETFs.  Your portfolio will be personally designed, with your goals and cash flow needs at the forefront.

We structure Your Plan through the appropriate mix of RRSP, RRIF, RESP, RDSP, TFSA  and open investment accounts. Your Plan will incorporate mortgage and debt planning, life and disability insurance as well as overall tax planning for you and your family.


 = Understanding investment risk and rewards

OUR PROCESS

Discovery

Getting to know you and your dreams


In our first meeting together, we will take the first few minutes to provide you with an overview of our cash flow based  financial planning process.  We will describe our investment philosophy, our various investment account options and insurance product offerings, and the numerous compensation options that are available to you.

After this introduction, if and only if  you are comfortable with how we serve the families who choose to deal with us, the meeting will shift to be all about you.  We will ask you questions about your goals and collect information from you about your current financial position.


Proposal

We will spend considerable time analyzing your unique situation.


In preparing Your Plan, we will give you a snap shot of where you are financially.  Then there will be a series of steps that we suggest you take now and at points in the future.  These personalized recommendations will be a roadmap to get you to where you want to be, in the most concise, tax efficient, stress free way possible.   Your Plan will give you a sense of  your financial future. 

Your Plan will be presented to you in a way that you will understand, regardless of whether you are new to investing or have a high level of financial sophistication.

We have found that to make Your Plan work, it must balance today’s lifestyle desires with tomorrow’s goals. No one has a money tree growing in their back yard.  Our role is to figure out how to help you make the right choices.

Balancing Today with Tomorrow


Commitment

We feel strongly that you spend time reviewing our recommendations after our Proposal meeting.  We will make ourselves available to answer all questions.


We want you to feel encouraged that you will be able to reach your goals via Your Plan and will be motivated to act upon our recommendations.  After receiving your consent to proceed, we will prepare the documentation necessary to put Your Plan into motion.



Progress

We will meet regularly, to assess how you are progressing toward your goals.

 

This is crucial.  We feel strongly that every year, you should know if you are ahead or behind.  If life has changed significantly, or your goals have, we will modify Your Plan with new, appropriate recommendations.




Review

You have done it.  Your commitment to saving, combined with our guidance has put you where you wanted to be.


Once you reach your goals, we will continue to meet regularly to ensure that you remain in financial good health.  A healthy , sustainable portfolio withdrawal rate, combined with well thought out estate planning will ensure that you and your family enjoy everything you have worked for.  

MEET YOUR TEAM

A solid financial plan will help you balance today’s needs and lifestyle with longer term goals.
We can get you started in securing your financial future.

Leanne Kohtala Photo Leanne Kohtala Hover Photo

Leanne Kohtala

Portfolio Manager, Senior Financial Advisor

Education: Bachelor of Commerce, Finance

Designations: Chartered Investment Manager, Certified Financial Planner, Registered Financial Planner

  • My first mission is to work closely with you, to discuss and define your financial goals
  • Once your priorities are established, my team and I create a unique, cash flow based financial plan for you and your family
  • I then manage and monitor your plan via discretionary portfolio management, and sophisticated financial planning tools
  • I make myself available to address your ongoing enquiries about Your Plan and conduct ongoing regular reviews to ensure the success and health of your plan long term
Kaila Seguin Photo Kaila Seguin Hover Photo

Kaila Seguin

Financial Advisor Associate - Manulife Securities Incorporated

Life Insurance Assistant - Manulife Securities Insurance  Inc.

Education: Dipl. Finance

  • I have been working in the financial industry since 2008 in various progressive roles .
  • As we work in a team environment, I assist in creating Your Plan for our new clients, and ongoing financial planning, insurance and investment services to existing clients. I am the first point of contact for investment/tax inquiries for our clients. 
  • I schedule client appointments and manage educational events that are sponsored by our office. 
  • It is my end goal to manage and develop my own group of clients, at Your Plan by Kohtala Financial.
Brigitte Beaupre Photo

Brigitte Beaupre

Administrative Assistant

Education: Dipl Mgmt & Entrepreneurship

  • I manage reception services, both on the phone and in the office 
  • Client documentation preparation and processing are my responsibility 
  • I assist clients with their on-line account access, as well as general account inquiries.

Products & Services

Manulife Securities Incorporated (MSI)

Manulife Securities Incorporated is a member of the Investment Industry Regulatory Organization of Canada (IIROC).

Our expansive product offering provides clients with choices tailored to fit their financial goals and advanced investment needs, via four distinct account management platforms:

  • Discretionary Account Management via Advisor Managed Program
  • Third party Portfolio Management via Masters Private Account Program
  • Fee-based wrap program via Premier Program
  • Traditional Self Directed Accounts

Within the account management platform that we determine is the best fit for you and your family, we have the ability to source the appropriate investment products, including:

  • Stocks
  • ETFs
  • Bonds
  • Mutual funds
  • Money products including,  daily interest accounts and GICs,
  • Other specialty investment products

Account Types Available

  • Registered Retirement Savings Plans (RRSP)
  • Registered Retirement Income Fund (RRIF)
  • Locked in Retirement Account (LIRA)
  • Locked in Income Fund (LIF)
  • Tax Free Savings Accounts (TFSA)
  • Non-Registered Savings Accounts
  • Registered Education Savings Plan (RESP)
  • Registered Disability Savings Plan (RDSP)
  • Corporate Investment Programs
  • Banking Products by referral
  • Flexible mortgage accounts
  • Fixed Rate Mortgages
  • Savings Accounts
  • Investment Loans

Manulife Securities Insurance Inc.

Whatever your stage in life, Manulife Securities Insurance Inc. can help you feel financially assured with a variety of insurance products to meet your specific needs – whether it’s family protection, business continuity, estate preservation or investment solutions.

Product and services include:

  • Segregated funds
  • Disability insurance: income replacement and business overhead protection
  • Life insurance: term, whole life, universal life
  • Critical illness insurance: enhanced and basic plans
  • Personal Health and Dental Plans
  • Health Spending Accounts
  • Annuities: term certain, life

Learn How We Can Help

Get In Touch

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.

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Call 705-360-2804