Through a comprehensive range of financial, retirement, estate, tax and investment services we empower clients to make informed and considered decisions in the pursuit of their financial and other life goals. We help them understand their current situation and the immediate decisions facing them and then develop plans to give them the comfort and peace of mind of an understandable plan to meet their financial and other life goals. The following describes our clientsCertified Financial PlannerClients want to be in control of their investments They come to us feeling scared, not trusting the markets, and not knowing if they will ever be able to retire. Younger clients can feel confident in their current situation but don’t know what lies ahead. Older clients are worried that they don’t know if they can retire what lifestyle they will be able to support and how long their money will last. Remote and busy clients can be served online.Divorce Financial PlannerPeople contemplating separation/divorce are often scared and don’t know what to do. They want to understand the separation process, the issues they will face and what it will mean to them in the future. Widow Financial PlannerThose recently widowed can be overwhelmed and unable to deal with immediate estate details and paperwork. Also they can be insecure about their new financial responsibilities and worried about what the future holds. Go to www.spera.tvContact me at Doug@Spera.tv or 416-489-8500Financial Planning Software AuthorPlanWare is a very comprehensive and efficient tool that can be used with clients of virtually any size or complexity. It is The Missing Link between the well-educated and well-intended Financial Professional and the Plan-Starved Public. Financial Advisors can use it as the backbone of their Financial Planning process as well it can be a very valuable home-use tool.For more information go to www.PlanWare.ca Contact me at Doug@PlanWare.ca or 416-886-1555Specialties: Investment PlanningInvestment AdviceFinancial PlanningRetirement PlanningEstate PlanningTax PlanningDivorce Financial PlanningWidow Financial PlanningWidow SupportVirtual Financial AdviceFamily Office PlanningPlanning with individuals with significant health changesPlanning with individuals with unplanned retirementsFinancial Planning Software DevelopmentFinancial Planning Software Tool