Families

Raising a family brings new joys as well as new financial responsibilities. Between mortgage payments, child care costs, saving for education, and protecting your income, the financial decisions pile up fast.

At Green Helix Financial, we help families simplify the complex by building clear, values-based financial plans that grow with you. Our integrated approach balances present needs with future goals, so you can focus more on life and less on spreadsheets.

🧩 Example Scenario: Balancing Today with Tomorrow

A couple in their late 30s with two young children. They’re managing mortgage payments and daycare expenses while trying to contribute to RESPs, save for retirement, and consider insurance options. One spouse has a pension, while the other is self-employed. They’ve outgrown the piecemeal advice from their bank and want a more cohesive plan.

Here’s how a fiduciary advisor can help:

• Consolidate Financial Priorities: Build a single plan that balances debt repayment, education savings, retirement, and risk protection.

• Optimize Cash Flow: Create a family-friendly monthly structure that includes irregular expenses like camps, holidays, and school supplies.

• Build an Investment Strategy: Align TFSA, RRSP, and RESP contributions with tax efficiency and long-term outcomes.

• RESP Planning: Maximize government grants and contribution strategies for multiple children.

• Insurance Review: Evaluate term life and disability insurance to protect income and provide peace of mind.

• Pension + Self-Employment Planning: Blend employer pension benefits with flexible self-employed retirement strategies.

• Estate Basics: Establish or review wills, guardianship choices, and beneficiary designations for financial protection and clarity.

With a well-structured plan, families like this can move forward with more confidence - knowing their finances are organized and future-ready.