Welcome To
Mercier Financial Services
A sound financial plan starts with cash planning. It is the foundation of your financial life, both your spending and debt management.
You can absolutely live the lifestyle you want AND have a plan for the future that will change over time as your priorities change.
Financial Services For Families And Businesses
Angela Mercier, BA, CDFA, Q.Med.
Cash & Financial Planning
Create a financial plan that allows you to live with purpose.
Financial planning is an ongoing process for making sensible decisions about money to help you achieve your goals in life. Your goals may include:
- starting a business
- saving for travel
- creating a bucket list
- saving for retirement
- selling your business
- moving pensions to Canada
- living in retirement
- transferring wealth
A sound financial plan starts with cash planning. It is the foundation of your financial life, both your spending and debt management.
You can absolutely live the lifestyle you want AND have a plan for the future that will change over time as your priorities change.
Tips on making ends meet in a world where ‘everything is costing more’
As the cost of living continues to rise, a Halifax-area financial advisor is offering up tips to help families cut back on extra costs.
Angela Mercier, the owner of Mercier Mediation & Financial Services, said she’s seeing an increase in people seeking her services.
“I have clients that are coming to me that work with the banks, work with other financial advisors, and they’re just asking for a second opinion and what they’re looking for is, ‘How do we make our dollar go farther?’” she said.
Read More…
Life Insurance
Choose the right insurance coverage for you and your family.
Let’s be honest, most Canadians dislike paying for any kind of insurance. Whether it be auto or home, we still hate it until there is a claim… then we are thankful we have it.
Personal insurance is complicated. There are so many types of coverage. The options and differences between the various plans – referred to as policies – add to the discomfort Canadians feel when trying to find the right solution.
If you are between the ages of 18-60 and are looking for affordable No Medical & Simplified Issue Life Insurance, simply apply online.
“Facing a decision we’d been avoiding wasn’t fun, but Angela made it fast and painless… and delivered before our deadline, as promised.”
Kelly and Linda Daley
“Angela showed me exactly where my money was going and I was shocked. Without her, I would be lost – and probably in more debt!”
Tanya Dalton, BAA CHYS
Not your everyday run-of-the-mill financial planner…
Angela Mercier is also a Qualified Mediator (Q.Med) and Certified Divorce Financial Analyst. She has extensive experience with cash management, retirement, annuities, wealth transfer, investments, legacy, insurance, overseas pension transfers, estate planning, and group benefits. As your Financial Advisor, Angela handles PIPEDA and CASL regulations. Privacy-Statement-Angela-M.Mercier
Angela knows each person is different and that there’s no cookie-cutter solution. She will focus on your priorities and guide you to the end result you want.
Top 5 Differences Between Tax-free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP)
The intent of an RRSP is for your retirement. TFSAs were designed for any type of financial goal such as travel, buying house, emergency savings, and so on. You need to earn income to contribute to an RRSP but not with a TFSA. When you contribute to an RRSP, those contributions are tax deductible against… Read More…
Canadian Business Owners and Retirement: Consider an Individual Pension Plan
In February 2018 the Federal government introduced new rules surrounding the Small Business Deductions (SBD) and how it treats passive income over $50,000. This change caused great concern for many small business owners across Canada, especially those who have always planned to use that income for retirement. One possible solution is what’s called an Individual… Read More…
Your Year End Investment Statement Shows A Negative Return…
Most Canadians will have received their December 31st investment statement in the mail and noticed that their investments have not had a great run in 2018. If that’s you, what do you do next? First, do not panic. Instead, ask yourself these 3 questions: When was the last time you met with your advisor and… Read More…