Services
Financial Strategy
A financial strategy is more than just an investment strategy. Sound planning principles involve the big picture: analyzing estate taxes, income taxes, education funds, and insurance coverage. Find out how a financial advisor can tailor a custom plan for your specific situation.
Retirement Planning
About half of Canadians hope to retire before age 60, but hope is not a plan. What is your retirement plan? Find out about the seven key strategies for retirement planning success.
Estate Planning
Estate planning is not just for the wealthy. Even for small estates, proper planning can save thousands of dollars. What is a “deemed disposition tax?” Find out how proper planning can help reduce the overall tax bill for your estate.
Tax Planning
Tax planning is not just something that takes place in April. Every day, you engage in financial transactions that are taxable. Some taxes cannot be avoided, but others can be reduced or eliminated altogether with careful planning. Find out what tax planning looks like for you.
Portfolio Analysis
Do you know what your asset allocation is? If not, it’s time for a portfolio analysis. The amount of equities, fixed-income investments, and cash in your account will determine your long-term rate of return. Find out if your risk level is too high and if you’re on track to meet your goals.
Insurance Analysis
Insurance is very easy to ignore, but the rewards of protecting yourself can be enormous during a crisis. Your insurance needs depend on your situation, and an insurance advisor can help you identify risks you may have missed. Find out how an insurance analysis can help you get the right coverage and avoid expensive premiums.
About
As a professional financial planner, I continually strive to see every client realize all of their financial dreams.
Whether your goal is to save for a new home or your retirement, protecting loved ones from financial losses or managing your portfolio wisely, I have the experience and resources to meet your needs.
Daryl Charanduk, CFP®Certified Financial Planner®
Daryl Charanduk has worked in the Financial services industry since 1989.
Daryl has been serving clients in his present position of President of Charanduk Financial Services, a Wealth Management firm since 1995.
Working with Worldsource Financial Management (the Dealership) Daryl can also facilitate access to additional products and services that are provided by the firm’s wealth advisory group through referral arrangements.
This group is made up of other professionals that provide clients with discretionary portfolio management, private banking, mortgages and accounting.
One of the advantages of being in the business for so long – if I do not have the answer for a client’ s question – I know the people who do!
Daryl has provided numerous seminars and educational sessions for many groups, from young couples getting married, to Federal Government Employees attending a Retirement Planning Workshop to businesses, associations and Unions for Retirement and Pension Planning workshops.
Daryl lives in Mississauga with his wife and four children. Now that the kids hockey, soccer and gymnastics have wound down, Daryl now spends some of that time practicing yoga and working out and attending more concerts and sporting events.
