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Harvinder Pal, PFP, QAFP - Financial Planner, RBC Financial Planning

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Mississauga, ON
Harvinder Pal, PFP, QAFP - Financial Planner, RBC Financial Planning

My passion is applying financial knowledge and expertise to help my clients develop a personal finan

- Working Together -
You’re unique and your financial plan should be, too. When we meet, we’ll first talk about what matters most to you. Next, we’ll look at where you are now, where you want to go, and create a plan to get there. And, because life (and your priorities) can change, your plan will have built-in flexibility for the long term.

» Balance Your Priorities
With competing demands on yo

ur money, how do you live for today and save for tomorrow? I can take a look at your entire financial picture and recommend cash flow strategies to help you balance your financial priorities. Together, we can answer question such as:
• How do I balance paying off debt and saving for the future?
• Should you save for retirement or for your kids’ education?
• Is there anything I can do to pay less income tax?

» Invest for the Future
A well-designed investment plan is the best way to reach your short- and long-term goals. I can help you build a plan based on sound principles and your personal priorities. Together, we can look at how to:
• Stay on track with your investment plan
• Achieve your goals with mutual funds and other investments
• Maximize your RRSP and TFSA contributions
• Make the most of a bonus, tax refund or other large sum of money

» Plan Your Retirement
Did you know that retirement can now last 30 years or longer? I can help make sure you have a solid, yet flexible plan in place to handle the changes you may encounter along the way. We can explore topics such as:
• How much do I need to retire?
• Whether you can—or should—retire early
• Understanding your pension choices
• How you want to spend your time in retirement

» Implement Tax Strategies
By looking at your entire financial picture—your income, expenses, current investments and more—I can recommend strategies that will help reduce the taxes you and your family pay. Some strategies I can help with include:
• Minimizing taxes with a registered plan such as a TFSA or RRSP
• Income splitting with your spouse
• Tax-efficient ways to pass assets to your beneficiaries

» Enjoy Your Retirement
If you’re getting close to retirement, I can help you create a plan that’s designed around how you want to spend your retirement and recommend ways to make your money last. Here are just a few of the things I can help you think through:
• Whether you have enough money to retire
• Financial steps to consider at age 65 and age 71
• The pros and cons of downsizing your home
• When to take your Canada Pension Plan (CPP)/Quebec Pension Plan (QPP)

09/26/2023

It’s a common question: RRSP or TFSA – or both? Here’s an easy-to-read article that explains how they work and how they can help you build your wealth.

09/12/2023

Spousal RRSPs are a great way to save for the future but it’s important to understand your options. “What is good for your neighbour might not necessarily be good for you,” says Aba Quarshie, a financial planner at RBC in Almonte, Ont.

OTTAWA — Canadian couples looking to save money in retirement may turn to spousal RRSP accounts, though financial experts caution it might not work for everyone. Aba Quarshie, a financial planner at RBC in Almonte, Ont., said in order for a couple to benefit from a spousal RRSP there generally nee...

08/31/2023

Stocks are often called the ‘growth’ engine of an investment portfolio. But what are stocks and how do they work? Read this article to find out:

05/30/2023

Here are nine financial “to-dos" to help put you on the right track to achieving your financial goals.

05/17/2023

We can help Newcomers buy their first home in Canada sooner. Limited time special mortgage offer.

Buying your first home in Canada is a significant achievement and at RBC we can help make that happen for you sooner. Whether it’s figuring out what you can afford or understanding your mortgage options, we are here to guide you through the process from start to finish and help you transition into...

05/02/2023

Switching your mortgage to RBC may be your best move yet! Get up to $4600 in value and 55,000 Avion points when you switch to an RBC mortgage.

Get your best possible rate and more with an RBC mortgage. Experience a customizable and personalized mortgage experience with a dedicated mortgage specialist, affordability tools, and exciting offers that make working with RBC all the more rewarding.

04/26/2023

Doomscrolling, emotional investing and other bad habits to avoid — plus some to try.

04/17/2023

For a limited time only, enjoy a cash bonus of up to $3,500 and 55,000 Avion points when you apply for a mortgage - Offer ends June 30th, 2023.

Get your best possible rate and more with an RBC mortgage. Whether you’re buying your first home or you’ve been through this before, we can help make sense of your options and guide you through the mortgage process from start to finish. You’ll receive personalized advice from a dedicated mortg...

03/27/2023

While saving for retirement and reducing mortgage debt will both increase your net worth, the right choice can put you further ahead.

While saving for retirement and reducing mortgage debt will both increase your net worth, the right choice can put you further ahead. An RBC Financial Planner can help you make the best move.

02/18/2023

Incapacity is not age related. It can happen at any time. That's why you need a power of attorney.

02/14/2023

Choosing the right asset mix is key to long-term investment success. Learn more about diversifying your investments with an RBC Financial Planner.

This is why having a variety of investments in your portfolio better prepares you to ride out ups and downs.

02/09/2023

Thinking of adding GICs to your investments? Here are four things to know about how they work.

Address

6240 DIXIE Road
Mississauga, ON
L5T1A6

Opening Hours

Monday	9am - 7pm
Tuesday	10am - 8pm
Wednesday	10am - 8pm
Thursday	10am - 8pm
Friday	10am - 8pm
Saturday	10am - 4pm

Website

http://www.rbc.com/legal

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