1. Dealing with Change
Where to begin when your employment ends
Together we’ll explore your current financial health and build a plan:
 For your day-to-day living
 For your severance package
 For your future
Together we’ll face realities and find opportunities:
 To manage cash flow so that you have enough to live on without exhausting your
resources.
 To manage your severance package while minimizing the tax effects.
 To access Accessible Pension benefits
 To replace Employee benefits you may have lost
 To decide which Benefits should you replace privately
Most of all, you’ll need support, including assistance with your financial decisions.
It is my job to take care of you as we build and implement your financial plan.
How I can help you move forward
Life Changes
One of the most difficult and emotionally trying events
someone can experience is being let go from their
place of work. Whether for reason of workplace
closures, downsizing, restructuring or employee
termination, it’s never easy and affected employees
often experience feelings of anxiety, hopelessness,
confusion, and loss of direction.
Keep the right perspective
At a time like this, it’s easy to become preoccupied
with your circumstances and to lose sight of the bigger
picture. It’s important to stay on top of your overall
financial plan, and keep it updated with the important
changes in your life.
Don’t get caught by surprise again
No matter how secure you may feel in your new job or
with your new venture, history has shown that life is
unpredictable. For that reason, it makes sense to
create a separate emergency fund, while you’re
employed, to see you through the three to nine
months of unemployment. The secret is to be
prepared and to make sure that your financial plan is
built with the “unexpected” in mind.
Building relationships that last
Relationships for life: a personal approach
to helping you achieve your financial goals

2. When financial advice is needed
Although each of us is unique, we share many similar life events. Many of us experience the
excitement of getting married, of buying our first home, and the birth of a child. Many of us
care for a loved one and experirence the pain of losing someone close to us. We dream of
working less, or retirement, and as we experence life, many of these events trigger the need
for financial advice.
In fact, industry studies have shown a dramatic difference in assets levels between
households with a financial advisor and households without a financial advisor, regardless of
total asset levels. These results show that whatever your age of life stage, the value of advice
can make all the difference in helping you acheive your goals and fulfil your dreams.
Staying in touch
Your plan is just the beginning
Going forward we will:
 Work with you to respond to changes in your
personal and financial situation.
 Regularly review your overall financial picture.
 Help you adjust the allocation of your assets to
make sure they are in line with your financial
needs.
My website
http://www.investorsgroup.com/en/bryan.milne/contact
features daily updates on financial planning information,
market activity, and charting and tracking tools for your
portfolio.
Our award winning statement provides clear and concise
detail of your investments.
390 Brant Street, suite 600
Burlington, ON L7R 4J4
Toll Free (888) 4678844
Bryan Milne, Consultant
Investors Group Financial Services Inc.
(416) 995-8364
We all have those “go-to” people – mechanics, hair
stylists, accountants – that have built loyal
relationships because they know us well, provide
excellent service, and always have our best
interests in mind.
But do you have a “go-to” person to help you
manage your finances and plan for your future?