Kirstin Carley & Co. Financial

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Canada
Langley, BC
Kirstin Carley & Co. Financial

A financially savvy, real-life mom who values privacy, quality, and smart choices. 💛✨️ Kirstin Carley & Co.

Financial has helped hundreds of Canadian families, just like yours, understand their finances, build wealth wisely and have confidence in their future.

06/26/2024

As the financial well-being of Canadians grow more complex, they look for CFP® professionals: the gold standard in Canadian financial planning.

CFP professionals demonstrate the knowledge, skills, experience and ethics to examine their clients’ entire financial picture, at the highest level of complexity required of the profession.

I simplify financial matters for my clients and look at the big picture to help them build a plan to live life confidently!

❤️

04/25/2023

Life is complicated and figuring out how to reach your goals can be overwhelming. There’s an endless amount of information out there and it can be hard to even know where to start.

I simplify financial matters for my clients and look at the big picture to help them build a plan to live life confidently!

❤️

12/27/2021

Financial advising since 2008
CFP designation
since 2013
WELCOME!

12/25/2021

Wishing you a very ❤ Merry Christmas ❤ May good food, family and friends find you, and warmth wrap around your home; and a prosperous New Year filled with good health, wealth and happiness!

10/15/2021

What comes to mind when you imagine your older self?

I’m 44 years young – and that’s part of the secret…

Keeping a positive state of mind.

Sure, my body is aging – gracefully, of course. 😉

I'm trying MY BEST to unite my physical, emotional and mental well-being.

My lifestyle choices are helping to improve prospects for healthy aging.

Will I live for another 58 years until I’m 102?

I don’t know.

But, wouldn’t it be fun to try?!

Aging doesn’t have to be a barrier to a good time.

Self-acceptance can lead to the best outcomes.

Stress less, smile more and have fun.

Enjoy a more vibrant life!

So, how do we age with QUALITY?

Know your purpose.

Have a reason for waking up in the morning.

Connect with your mind.

Read and write.

Meditate or pray.

Practice daily affirmations.

Focus on feelings of gratitude and joy.

Find something that allows you to keep learning.

Take up a new hobby.

Connect with your body (and your mind).

Exercise.

Work around the house, garden, walk, laugh and play.

You feel more powerful when you move your body.

It helps your self-esteem because you’re able to be more independent.

It also jumpstarts your brain and allows you to think more clearly.

Connect with nature.

Ocean or mountain or lake view?

Grow your own herbs, fruits and veggies.

Eat organic and healthy foods.

Treat yourself occasionally too.

Connect with people.

Friends and family can keep you young.

Go out for lunch or have a video chat.

Join a social network or spiritual community.

Look on social media to find your tribe.

Take preventative steps to keeping your mind, and body, active and healthy.

We can’t control every factor that determines how well and long we’ll live, but we can be proactive – and feel better as a result.

THE BEST TIME TO START IS TODAY!

It’s never too late to TAKE ACTION.

First, pick a motivating goal.

WHAT’S YOUR WHY?

What’s one thing you’d like to keep doing as you get older?

Or, perhaps there’s something you’d like to start doing?

Once you have a powerful motivator, take the next step.

Tap into a community that will support your goals – have you considered ours? 🙂

07/28/2021

𝗗𝗲𝗯𝘁 𝗴𝗼𝘁 𝘆𝗼𝘂 𝗱𝗼𝘄𝗻? Between the mortgage, loans and credit cards, paying everything off can feel impossible – but with these tips, it doesn’t have to be!

Take control of unnecessary debt.

Rollover formula:

Attack the debt with the highest interest rate first, while paying minimums on the others.

When that’s paid off, put that same payment amount towards the card or loan with the next highest rate.

Repeat until all debt is paid off.

Then, apply that monthly payment to your savings instead!

Snowball method:

Attack the debt with the smallest principle first, while paying minimums on the others.

When debt one is paid off, combine that payment with the minimum on debt two.

Your payment will increase each time you switch to the next debt, so eventually you’ll be making the largest payment on the largest debt.

Now, stay in control!

Limit your credit card use to small purchases you’d make anyway, like gas and groceries.

Pay off your credit card balance monthly.

Create a monthly budget and try your best to stick to it.

Contribute to your emergency fund for unexpected costs.

Start a side hustle and put the income towards your debt, and future dreams!

Message me to learn more.

07/10/2021

𝘿𝙤 𝙮𝙤𝙪 𝙝𝙖𝙫𝙚 𝙚𝙣𝙤𝙪𝙜𝙝 𝙨𝙖𝙫𝙚𝙙 𝙪𝙥 𝙩𝙤 𝙨𝙚𝙚 𝙮𝙤𝙪 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙮𝙤𝙪𝙧 𝙜𝙤𝙡𝙙𝙚𝙣 𝙮𝙚𝙖𝙧𝙨?

Financial services company Fidelity suggests you've saved at least one year's worth of income by the age of 30 and 10 times your annual salary by the time you're age 67.

Below are the numbers broken down for you:

Age 30: 1 x income

Age 35: 2 x income

Age 40: 3 x income

Age 45: 4 x income

Age 50: 6 x income

Age 55: 7 x income

Age 60: 8 x income

Age 67: 10 x income

Are you on track to your retirement income?

What are you doing to ensure you don't run out of money in your golden years?

Learn from our years of experience and gain the ongoing support you will need to succeed.

05/20/2021

FP Canada conducted research involving 19,000 adults in 19 different countries, including 1000 in Canada, that found consumers are focused on:

• Being debt free
• Being prepared for an emergency
• Owning a home
• Planning for retirement
• Managing their own finances
• Supporting others financially
• Managing investments

It's no surprise the research shows money is an important tool that has a profound impact over nearly all aspects of our existence. How we choose to integrate money factors into our day to day lives has an influence over our whole reality via our physical health, psychological well-being, and our relationships.

How has the past year impacted your life? It might be time to speak with financial professional.

04/02/2021

Can you relate to Mary…?

Mary is 42 years old with dreams of retiring early at age 55 to spend time on her true passions.

She’s an employed teacher, and loves her job. She has some savings in a RRSP and TFSA, and she has her teacher’s pension to look forward to.

BUT, will it be enough retirement income for her desired lifestyle if she lives into her 90’s or beyond? Likely not.

What could she do to provide more certainty and security in her retirement income plan?

Mary could start by talking to a financial planner to discuss her options.

03/21/2021

Canadians are living longer and fewer of them have guaranteed income from company pension benefits. Because of improved health care and longevity, it’s possible retirees could spend several decades, as many as 30 years, in retirement. This means their retirement income needs to last longer.

What are you doing in your retirement income planning to provide for a longer life span so you won’t run out of money?

03/20/2021

Continuing Education CE day for me... 🤓

✅ financial planning and ethics = 100%
✅ advisor code of conduct = 100%
✅ behavioral economics = 100%
✅ estate planning = 100%
✅ living benefits = 100%
..and MUCH MORE!

Is your advisor selling you insurance or providing holistic financial planning?

Let your dreams take flight!

https://www.kirstincarleyfinancial.com ✈️

03/20/2021

When you build an extension on your home, the first step is looking at what is already there. What foundation are you working with? This is a necessary step in determining what to build next. The same applies to life insurance.

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Langley, BC

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http://kirstincarley.com/

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