Santiago Garcia, Investment and Retirement Planner

Santiago Garcia, Investment and Retirement Planner Financial Planner PFP®MBA
💰 Helping Canadians invest and retire with confidence since 2000 📈. Santiago Garcia, PFP®MBA.

I have been practicing as a financial planner for the last 22 years helping Canadian professionals, families and business owners solve financial and tax planning matters. I am a graduate of McGill University MBA (2006) in Montreal and a holder of the Personal Financial Planning designation by the Canadian Securities Institute. My expertise is to identify my Clients primary risks in retirement and

to structure a process to help them avoid market downturns while protecting their life savings.

►►► Are you an Executive working hard to climb up the corporate ladder to achieve your personal income and retirement goals? Or...
►►► Are you a Business Owner who has been laser-focused on your business and have not had a chance to look at your overall financial impact? If ever needed, I can assist you with:

· Your Retirement Planning. One of the most important questions you can ask yourself...how much do I need to retire? There are obviously a lot of factors that go into this question: your age at retirement, your lifestyle, your pension, your OAS amount, and of course a lot more. Everyone's situation is a bit different, so a plan designed for your situation will alleviate any stresses that you may have...plus, you may find that the savings number in your mind may be far higher than what it actually needs to be.

· Your investment portfolio review. By looking at your investment I can help you reassess your risk tolerance in line with your financial goals. My goal is to help you avoid making emotional decisions to buy or sell your investments at the wrong time. Don't put retirement on hold because you don't know where to start. I am able to provide you with expert Investment and Retirement advice from the comfort of your home or in my office in Oakville downtown. Whether you're looking to invest or retire in the next few years, I will guide you through every step of the way. Call or email me today, I look forward to working with you.
289 644 8425
[email protected]

Book a meeting:

https://meetings.hubspot.com/santiagoinoakville1

Thank you for reading my introduction and please add me to your professional network. I'm here to connect and give value only. Lets Connect

https://www.linkedin.com/in/santiagogarciamba/
tiktok: OAKVILLEBANKER
instagram: OAKVILLEBANKER

11/28/2024

Every financial planning conversation should start with a chapter of the Investor’s Tao Te Ching. It is a guide that combines timeless philosophy with actionable advice, emphasizing balance, patience, humility, and simplicity in building lasting wealth.

In this video, we delve into Chapter 1 of "The Tao of Investing: The Way of the Market." Discover how the market flows like a river—chaotic yet consistent—and learn the importance of maintaining balance and how to embrace the art of patience and the power of observing long-term trends rather than succumbing to daily fluctuations. This episode highlights the wisdom of aligning with natural rhythms and sticking to your financial plan, ensuring lasting wealth and peace of mind. Join us on this journey to financial clarity and resilience!

https://youtu.be/05DohsRniyw

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Fear and greed often drive market fluctuations. Managing these emotions can lead to clearer decisions, helping investors...
11/28/2024

Fear and greed often drive market fluctuations. Managing these emotions can lead to clearer decisions, helping investors maintain calm when others panic.
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The Way of the MarketThe market flows like a river, chaotic yet consistent. Those who chase every ripple lose their bala...
11/27/2024

The Way of the Market

The market flows like a river, chaotic yet consistent. Those who chase every ripple lose their balance, while those who align with the flow find peace within.

In the fast-paced investment world, it’s tempting to react impulsively. Seek equilibrium, observing the market’s overall direction rather than its minor shifts. Wealth often follows those who tune into the natural rhythms rather than attempting to master each change.

After reading Warren Buffett’s and other interpretations on The Tao Te Ching I have attempted to read the Tao myself and to incorporate these ancient principles into my Financial Planning Practice. This book is limited to my own interpretations therefore I invite you to find your own words in my reflections.

please find my publisher's page:

https://lnkd.in/eRVm3dmk

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The INVESTOR’S TAO TE CHING. A natural approach to investing. By Santiago Garcia. E book available at Amazon, iBookstor...
11/17/2024

The INVESTOR’S TAO TE CHING. A natural approach to investing. By Santiago Garcia. E book available at Amazon, iBookstore (Apple), Barnes & Noble, Kobo, Scribd, Libri, and Gardners.

After reading Warren Buffett’s and other interpretations on The Tao Te Ching I have attempted to read the Tao myself and to incorporate these ancient principles into my Financial Planning Practice. This book is limited to my own interpretations therefore I invite you to find your own words in my reflections.

please find my publisher's page:

https://lnkd.in/eRVm3dmk

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Many people believe that retirement is the time to start doing what they really like. However the reality is that many d...
12/09/2022

Many people believe that retirement is the time to start doing what they really like. However the reality is that many don’t have enough saved to retire comfortably and have to push those dreams to a later date. A recent study showed that 32% of Canadians between 45 to 64 don’t have anything saved for retirement and 53% don’t know if they have saved enough.How to save for retirement? send me a message, I can help you.

Retirement income can mean something different for everyone, but there are some set similarities for all Canadians: CPP ...
12/09/2022

Retirement income can mean something different for everyone, but there are some set similarities for all Canadians: CPP and OAS. Your CPP and OAS amounts will vary depending on how long you lived in Canada, how much you earned and paid into CPP, child rearing years and much more. You can find out how much your CPP and OAS will be on your 'My Service Canada' website. Other retirement income sources could be, but not limited to:

Defined Benefit Pension
RRSP
TFSA
Non-registered Investments
Rental Property
Sale of business
business income

My focus when looking at a client's income in retirement is to look how each income stream will affect both your CPP and OAS drastically and in different ways. For instance if you pull a significant amount of your RRSP in any year this will drive up your taxable income and potentially claw back your OAS.

Make sure to speak to a Personal Financial Planner to best structure your retirement income. I can help you with this. I am able to provide you with expert Investment and Retirement advice from the comfort of your home or in my office in Oakville downtown. Whether you're looking to invest or retire in the next few years, I will guide you through every step of the way. Call or email me today, I look forward to working with you.
289 644 8425
[email protected]
book a meeting:

https://meetings.hubspot.com/santiagoinoakville1

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Is there inheritance tax in Canada?We have all heard the Benjamin Franklin saying "In this world nothing can be said to ...
12/09/2022

Is there inheritance tax in Canada?

We have all heard the Benjamin Franklin saying "In this world nothing can be said to be certain except death and taxes". It is true, and even more true when you add (death+taxes together).... even more taxes.... When you die there could be a large tax bill coming your way, but it is not an inheritance tax! (there is in the US though)

If you have a living spouse when you die, almost everything will be passed to your spouse free of tax (there can be few exception).
The CRA will tax you on your income in year of death, not assets. But remember that assets are sold in year of death and will increase your income. So the asset could create an income, in turn creating a tax.

Have you planned ahead? When considering tax on death, don't forget about probate fees - which is basically an additional tax on assets when you pass. Each province has different probate amounts.

There are easy ways to help reduce or eliminate the tax bill, but you need to plan ahead.

If you want to plan ahead I am able to provide you with expert Investment and Retirement advice from the comfort of your home or in my office in Oakville downtown. Whether you're looking to invest or retire in the next few years, I will guide you through every step of the way. Call or email me today, I look forward to working with you.

289 644 8425
[email protected]

book a meeting:
https://meetings.hubspot.com/santiagoinoakville1

Winter in Oakville downtown
12/09/2022

Winter in Oakville downtown

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Toronto, ON

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