Home, College, Cash Flow. .

How well are managing your personal finances? Do you find, like many people, that you just don’t spend enough time managing your money?

You may not achieve every financial goal or dream, but planning early can help you achieve some of them. People who have achieved financial freedom have identified their goals clearly and starting saving at an early age. While it’s never to late to start, the sooner you start saving the more time your money has to grow.

A Financial Advisor can help you create a plan for managing your financial future, including:

  • Home – mortgage
  • Auto and large purchases – lease vs purchase
  • College savings plans
  • Credit – when should I use credit
  • Taxation
  • Insurance
  • Retirement Plans

A Financial Advisor can help you answer these questions:

Home / Mortgage / Auto

  • How much house can I afford?
  • Should I refinance my home mortgage?
  • Should I buy or rent a home?
  • Should I have a fixed-rate or adjustable-rate mortgage?
  • Should I buy my car or lease it?

Cash Flow

  • What is my net worth?
  • What is my project net worth?
  • What is my current cash flow?
  • How much am I spending?
  • Should I pay off my debt, or save more?


  • How long will it take to pay off my loan / credit cards?
  • Should I pay off my debt or invest the money?
  • Should I consolidate my personal debts?
  • What is the balance owed on my debt / loan?
  • How can I restructure my debts for fast payoff?


  • How much life insurance do I need?
  • Do I need long-term care insurance?
  • What are the tax advantages of life insurance?
  • What are my chances of becoming disabled – and should I have disability insurance?
  • How can life insurance protect my assets?

College Savings
Even modest savings can provide a good start for college fees, if you start saving early. Investing just $100 a month for 18 years will yield $48,000 (assuming an 8 percent average annual return).

  • How much do I need to save for college tuitions?
  • What investment options are available for college savings?

Question or concern? Call:

(416) 623-6916

GN Financial Group
Serving Toronto, Brampton, Mississauga and surrounding cities.