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Welcome to A.D. Vacca Financial.
Happy New Year!
Wishing you a happy, prosperous and healthy 2014 and beyond and remember - Planning Pays Off !
At the beginning of a new year, people like
to make resolutions—go on a diet, start
exercising, maybe quit smoking. Many of
these resolutions focusing on personal health.
But what most people don’t do—in fact 80 percent of
us—fail to start working on our financial health through
the development of a real long-term comprehensive
The Financial Planning Standards Council (FPSC)
has developed a check list of five reasons people should
seek the advice of a financial planner:
• Have peace of mind:
According to the Value of Financial Planning study
commissioned by FPSC, 83 per cent of Canadians
who engage in comprehensive financial planning*
said they feel in control of their finances and 61 per
cent said they have peace of mind. Meanwhile, more
than half (57 per cent) of those who do not engage in any
financial planning said they barely get by every month.
• Live the life you want and achieve more of your life goals:
Seventy per cent of Canadians with financial plans said
they feel closer to achieving some of their life goals as a
result of financial planning. More than half (55 per cent)
feel close to having enough discretionary income to lead
the life they want compared with only 21 per cent of
those without plans.
• Be ready for the unexpected and prepared to deal
with tough economic times: More than half (54 per
cent) of Canadians who engage in comprehensive
financial planning said they feel prepared in the event
of an unexpected financial emergency compared with
only 22 per cent of those without financial plans. And
64 per cent with financial plans feel prepared to manage
through tough economic times compared to only a third
(33 per cent) without plans.
• Retire from work, not life:
Only 13 per cent of those without financial plans felt
they will be able to retire in the lifestyle they wanted
compared with more than three times that proportion
(41 per cent) for those with financial plans.
• Get on track with your financial affairs:
Seventy-six per cent of Canadians who deal with a
Certified Financial Planner (CFP) professional said they
feel more ‘on track’ with their financial affairs, compared
with only 35 per cent of those without an advisor.
Focussing on retirement challenges for a moment and at a
time when interest rates have depleted the value of savings,
many people are facing the realization that they won’t have
enough income from their interest on savings to finance their
retirement. For decades, retirees operated on the assumption
that, after a life of working and saving, that their guaranteed
rates of returns at retirement would be somewhere in
the order of 5 to 7 percent or higher. That is all lost now.
Presently, rates stand somewhere between 1 to 3 percent.
What happened? Google “LIBOR SCANDAL”
(where 19 of the worlds’ largest banks colluded to drive
interest rates down, punishing hard working seniors
in the process. The courts are still working to correct
that injustice). In addition, the US Federal Reserve has
also worked, through debt monetization, to drive rates
down as well and through their interventions, further
punishing savers and retirees, rewarding borrowers and
debasing currencies and buying power for the middle
class in Canada and throughout the world.
At A.D. Vacca, we put our clients at ease as we
develop a personalized, comprehensive financial plan
that covers every aspect of your personal finances- your
pension, savings, insurances, RSPs, debt control, estate
and retirement planning. While a large number of our
clients are retired or are within five years of retirement,
there are innumerable benefits in starting a financial
plan earlier in life.
A.D. Vacca Financial recently celebrated its 25th anniversary,
Christmas social and celebration in commemoration of their
new location, a bright new expanded facility with generous
parking conveniently located on Paramount Drive in Upper
Stoney Creek. Many clients, suppliers and special guests
attended the successful event including the ribbon-cutting
team/staff members (from left to right), Chris Zimmerman,
Helen McCulloch, Dominic Agresta, Co-founders Armando
and Lori Vacca, Alison Hannam, Nicole Buist, Julie DeKok
and Brad Theobald. A.D. Vacca Financial is so thankful to
God and to their existing family of clients, suppliers and also
for the steady stream of new families making their way to
their family centered business. They’re so looking forward
to serving and working with all of you for the next quarter
century to come!
Bullion, Insurance, Segregated funds offered through Kingsview
Financial Assurance Inc.
A Quarter Century - 25 Years ... and counting!
A.D. Vacca Financial is celebrating its 25th anniversary this year! It has been our great privilege and blessing to have served so many individuals and families over the last quarter century. Armando and his team of Registered & Certified financial planners are truly grateful and look forward to the opportunity of continuing to serve families all across the Golden Horseshoe, including Hamilton, Stoney Creek, Dundas, Ancaster, Brantford, Burlington, Oakville, Mississauga, Grimsby, St.Catharines, the Niagara region, Toronto and the GTA. We're thankful to God and to our existing family of clients and also for the steady stream of new families making their way to A.D. Vacca Financial. We're so looking forward to serving you for the next quarter century to come! Come visit us in our new and expanded location on Stoney Creek Mountain!
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