Changes to Probate Rules.

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Probate is a common term used when dealing with estates.  Do you understand it and how it may impact your estate or a loved one’s estate?   To help us learn more about Probate, we have a special guest expert who will speak to some common issues families should know when thinking about Probate.    Our guest expert is:

Léony deGraaf Hastings of DeGraaf Financial Strategies.

Léony is a Certified Financial Planner, Retirement & Estate Planning Specialist and an Elder Planning Counselor.

During our conversation we talk about:

  • What is Probate?
  • Does everyone’s estate need to be probated?
  • What changes came about with the new Probate rules implemented Jan 2015?
  • What are the probate fees and how are they calculated?
  • What are the steps an Executor needs to take in order to settle an Estate to completion?
  • What are some common strategies to avoid probate and do they work?
  • Any final tips for Executors?

We wish to thank Léony for joining our project and hope that our audience has learned from her and that they also reach out to her to discuss their own estate plans.

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About Léony deGraaf Hastings

Léony deGraaf Hastings has grown up in the financial industry, with her father being a distinguished advisor for 45 years. Learning the business ‘through osmosis’ over the years, Léony began her own financial career in the family firm over 15 years ago and has since built her own successful practice in Burlington where she resides with her husband and children.
 
Appreciating the time she spent with her grandparents as a child, and losing her Mom to breast cancer in 2000, Léony found herself gravitating towards helping seniors and assisting seniors and their families with complete retirement and estate planning.  Recognizing this passion, Léony took specialized courses to earn her Elder Planning Counselor designation and is qualified as a Certified Financial Planner (CFP®) – the international gold standard in the financial services industry.
 
As an EPC & CFP, Léony’s approach is to educate and assist retirees in simplifying their season of life, by providing clients with the  information, choices and tools needed to make wise financial decisions.  When necessary, Léony utilizes a team of experts, from lawyers and accountants to senior financial advisors and fund managers, to assist in case consultation. Léony’s role is that of a quarterback for your finances, bringing in the solutions you need to secure your retirement, from the best people and companies who provide them.  No two people are alike and therefore no two financial, retirement or estate plans are alike.
 
Giving back to our community is important to Léony, who volunteers her time as the past Chairperson and current member of the Burlington S.A.L.T. Council (Seniors & Law-enforcement Together) educating seniors on crime-prevention alongside the Halton Regional Police.  She is the past President of the Burlington Newcomers Club and Léony is also an Executive member of Joseph Brant Hospital’s Charitable Gift Planning Advisory Council. A regular contributor to the financial columns of Silver & Gold Magazine, Autumn View – the OPSEU Retirees Quarterly and interviewed as an industry expert by MacLean’s Magazine, Reuter’s, Advocis & CARP to name a few.

Most recently, Léony was voted one of Burlington’s
‘Favorite Financial Advisors’
AND
 ‘Best Insurance Brokers’
in the 2014
Burlington Post Reader’s Choice Awards!
 
This is the 6th Year in a Row voted a 
Best Financial Advisor in Burlington!

 

About Us:

With over 60 years of family business experience deGraaf Financial Strategies has the knowledge & real life experience to guide you through your financial seasons of life.  deGraaf can help you with your financial and estate planning including helping you to answer these questions:

  • How much should you be saving for retirement?
  • What are the safest investments to make in today’s economy?
  • How can you protect and efficiently transition your estate to your heirs?
  • Who will benefit from your mortgage insurance – your family or lender?
  • How do you solve the capital gains issue on the cottage?
  • What affect does a divorce have on your financial future?
  • How do we turn your Retirement Savings into tax efficient Retirement Income?
  • Should you commute your pension or leave it with your employer?
  • Suddenly you’re a Widow – now what?

 

Did  you know that?

The banks and captive advisors only have their own line of products to offer as ‘solutions’ to your financial needs.  They must be able to fit you into their box and often make similar recommendations, whether you are 18, 48 or 80.

For someone as individual as you are, don’t you deserve a personalized financial plan, with strategies tailored to your specific needs?

As a broker, deGraaf Financial Strategies shops the financial market for you, recommending only the solutions that meet or exceed your needs – no boxes!

 

Our Mission:

Our mission is to educate financial consumers of their choices for RRSP’s RRIF’s LIRA’s & TFSA’s, because only with all of the information can you make the right choice for you and your family.

If you’re tired of being treated like a number . . . or your Advisor keeps changing companies or branches . . . or you feel like your financial future deserves more than a cookie cutter approach,  give deGraaf Financial Strategies a call – we’d be happy to earn your business!

 

Get the answers to these and ALL your financial questions from an Advisor who puts YOU first!

Burlington Office: 769 Old York Rd

Waterdown Office: 50 Coreslab Drive

905-632-9900 or email: leony@dgfs.ca Visit Website

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