---
title: Who we serve | Numo Financial
description: Young professionals, growing families, business owners and people nearing retirement. See the questions we help BC clients answer.
image: https://www.numofinancial.com/hubfs/numo-website-images/banner-home.jpg
---

[![Numo Financial](https://www.numofinancial.com/hubfs/numo-website-images/numo-logo-dark.png)](https://www.numofinancial.com/?hsLang=en)

[Who we serve](https://www.numofinancial.com/who-we-serve?hsLang=en)[Services](https://www.numofinancial.com/services?hsLang=en)[Team](https://www.numofinancial.com/team?hsLang=en)[Client resources](https://www.numofinancial.com/client-resources?hsLang=en)[Contact](https://www.numofinancial.com/contact?hsLang=en)[Book a call](https://www.numofinancial.com/contact#book)

Who we serve

# Different stage of life. Same question: am I doing this right?

Most people come to us in the middle of something: a new job, a new baby, a growing company or the run up to retirement. Find yourself below.

[Young professionals](https://www.numofinancial.com/who-we-serve#professionals)[Growing families](https://www.numofinancial.com/who-we-serve#families)[Business owners](https://www.numofinancial.com/who-we-serve#owners)[Nearing retirement](https://www.numofinancial.com/who-we-serve#retirement)

Young professionals

## Earning well, but not sure it is adding up.

Tech, health and other professionals early in their careers. Good income, busy lives, and a lot of decisions nobody explained.

Sound familiar?

“I make good money, but I am not sure where it all goes.

“RRSP, TFSA or FHSA? I do not know which to fill first.

“I have stock options or RSUs and no plan for them.

“I only have group insurance through work. Is that enough?

“I want to buy a home in Vancouver and still save for later.

How we help

A simple plan for where each dollar goes, built around your goals

The right order for RRSP, TFSA and FHSA contributions

A plan for equity compensation before it vests

A review of your work benefits and any gaps worth covering

[Book a 20 minute intro](https://www.numofinancial.com/contact#book)

Growing families

## More people depending on you.

A new baby, a bigger mortgage or a parent on leave. Life changes fast and the plan needs to keep up.

Sound familiar?

“If something happened to me, would my family be okay?

“We keep meaning to start an RESP.

“We still do not have wills or named guardians.

“Parental leave is going to squeeze our cash flow.

“We are saving, but for what, and is it enough?

How we help

Life and disability coverage sized to what your family actually needs

RESP set up to capture the government grants available

A checklist and referrals to get wills and guardians in place

A cash flow plan that works through leave and back again

[Book a 20 minute intro](https://www.numofinancial.com/contact#book)

Business owners

## Your company is doing well. Now what?

Incorporated professionals and business owners with money building up inside the company and more questions than answers.

Sound familiar?

“Should I pay myself salary or dividends?

“Money is piling up in the corporation and I am not sure what to do with it.

“My accountant, lawyer and advisor never talk to each other.

“What happens to the business if I get sick or a partner dies?

“I want to sell or step back one day but have no plan for it.

How we help

Personal and corporate planning done together, not separately

Investing retained earnings with a clear purpose

Corporate owned insurance, key person and buy sell coverage

Working alongside your accountant and lawyer so nothing falls through

[Book a 20 minute intro](https://www.numofinancial.com/contact#book)

Nearing retirement

## Turning savings into a paycheque.

You have done the saving. Now the questions are about income, taxes and what you leave behind.

Sound familiar?

“When can I actually afford to stop working?

“I am worried a big RRIF will mean a big tax bill.

“Which accounts should I draw from first?

“I want to leave something for my kids without the estate losing a chunk to tax.

“I am not sure my investments match where I am in life now.

How we help

A retirement income plan that shows what you can spend

A drawdown order designed to manage tax over time

RRIF and pension planning before the minimums arrive

Estate and legacy planning, including insurance where it fits

[Book a 20 minute intro](https://www.numofinancial.com/contact#book)

## Not sure which one is you?

Most people are a mix. A 20 minute call is enough to tell you what matters most right now, and whether we are the right fit. If we are not, we will say so.

[Book a 20 minute intro](https://www.numofinancial.com/contact#book)

![Numo Financial](https://www.numofinancial.com/hubfs/numo-website-images/numo-logo-dark.png) ![IPC Wealth](data:image/png;base64,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)

800-1045 Howe St., Vancouver, BC V6Z 2A9

Insurance products, including segregated fund policies, are offered through Numo Financial Inc., and Brady Carpenter, Wealth Advisor; Richard Bailey, Financial Advisor; Chris Mustard, Financial Advisor; Dwight Dobersheck, Financial Advisor; Jonathan Taylor, Financial Advisor; and Raymond Cromarty, Financial Advisor, offer mutual funds through IPC Wealth Inc. IPC Wealth Inc. is a member of CIRO and the Canadian Investor Protection Fund.

IPC Wealth and design are trademarks of Investment Planning Counsel Inc. and used under license by IPC Wealth Inc.

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