Mrva Financial/Worldsource Financial Management Inc.

ANNETTE MRVA, CFP, CLU
CERTIFIED FINANCIAL PLANNER

Over the last 15 years, I have developed a strong reputation in the financial planning and insurance consulting industry. With both Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU) designations, my qualifications allow me to offer a comprehensive range of financial services to business owners, professionals and individuals.

Using a holistic approach, I take into consideration all aspects of my clients' financial picture, both corporate and personal, to develop a recommended mix of financial strategies customized to their specific needs. I offer a full range of financial planning services for every stage in my clients' life, from education savings vehicles for children to replacement incomes for the retired. I am committed to building lasting relationships with my clients, and review their plans regularly to make certain that their needs continue to be met.

Combining the resources and expertise of an enthusiastic and dedicated network of professionals and specialists, I assist my clients in mastering the complexities of insurance and investments. This ultimately results in the realization of their financial goals.

Referrals are very important to the success of my business. My ability to provide superior, professional service has helped me build long-term relationships with my clients and their families and friends. I look forward to establishing that relationship with all new and existing clients.

Retirement and Financial Planning Outline

My goal is to partner with you to help visualize, and then achieve, your financial and retirement goals.

The complete Financial Planning process is comprised of six distinct steps:

1. Clarify your present situation
2. State goals and objectives
3. Identify Financial Planning, Estate Planning or Retirement Planning problems
4. Report recommendations and alternative solutions
5. Implement the right strategy
6. Conduct reviews

The following describes the steps I take with clients to ensure that their Retirement and Financial Planning needs are being met:

STEP ONE:

Clarify the present- all aspects of your financial picture are explored. This is vital information that gives a clear snapshot of your current financial situation and how this will impact your future needs.

STEP TWO:

State goals and objectives - develop an understanding of your financial as well as personal values and attitudes. Clearly state your goals and objectives as these considerations are integral in determining the best financial planning strategy.

STEP THREE:

Identify problems - this enables me to identify the barriers to achieving financial independence. Any potential problem areas must be identified so that solutions can be found.

STEP FOUR:

Report recommendations and alternative solutions - recommendations are tailored to reflect the varying complexity of your individual position. You will receive a detailed written analysis with possible Financial Planning solutions.

STEP FIVE:

Implement the right strategy - once the best strategy has been determined, I will start to implement the proposals on a timetable that suits you.

STEP SIX:

Review and revision - annual one-on-one reviews are conducted. The portfolio is reviewed, factoring in any changes in your circumstances or expectations. Recommendations for rebalancing are made if required.

The economy and world markets in general are always changing. I am committed to keeping you up-to-date on developments and providing advice that ensures your portfolio stays on target.

SUMMARY:

My office is proud of the high caliber of service and advice provided to our clients. We are dedicated to understanding your financial needs and to meeting your service expectations.

Feel free to contact us at any time to review your portfolio or offer a second opinion.

Annette Mrva, CFP, CLU
Certified Financial Planner
(Member of Advocis - The Financial Advisors Association of Canada)