The truth is young couples need financial planning as much as anyone, maybe even more so. In Cobourg The good news is that they can access the over 30 years of experience that Ken Zawalykut has in the financial services field. Ken has provided his professional advice and care to hundreds of clients in that time. His broad experience in determining the planning needs of each person he works with help him to meet any new clients requirements. The situation a young couple finds themselves in can change very rapidly because of their career, moving to a new home or the arrival of children. Ken can help them find a safe and secure financial plan through all of the changes in their life situations. Ken Zawalykut - Financial Advisor 24 Covert Street #201 Cobourg ON K9A 2L6 Canada (905) 372-0800 http://www.youtube.com/watch?v=TcrevCGluQ0

1. Ken Zawalykut | www.kenzawalykut.ca
Email: ken.zawalykut@ipcsecurities.com
Phone: 905.372.0800
What Young Couples
Need To
Financial Planning
Know About

2. It’s All About Assets and
Liabilities
You need to protect the things you have:
•Your home
•Your belongings
•Your income
•Your future

3. Your Home
• If you have bought a house, is the mortgage
protected?
• Does your homeowners insurance protect you
against all reasonable risks?
• Will you be able to manage if one of you is
injured and your income reduced or eliminated?
• Do you have a realistic plan to reduce your
interest costs by paying down the principle?

4. Your Belongings
• Does your insurance policy cover
the cost of car rental if you are in
an accident?
• Are you protected from loss by fire,
theft, water damage or wind damage?
• Do you have important family papers
or documents that are irreplaceable?
• How much would it cost you to replace your belongings if
they were lost to a fire? Have you documented what you
own?

5. What Happens if You Lose Your Income?
• Do you have coverage if one partner or
the other were to be injured or suffer from
a long term illness?
• What would happen if one partner were
to pass away?
• Do you have plans for one partner to stop
working to care for children?
• Do you have money safely invested to
cover one partner losing their job for 3-6
months?

6. What Does Your Future Hold?
• If you are planning for children, should you open a
Registered Education Savings Plan
• Did you know that savings in your Tax Free Savings
Account can be transferred into an RRSP in the future?
Should you be planning for that?
• Do you understand how to take advantage of your
RRSP and the Home Buyers Plan
• Do you have an RRSP, and does it make sense for you
to have one now, or are there other things you should
be doing with your money?

7. What Are Your Liabilities?
1. Mortgage on home
2. Mortgage on cottage cottage
3. Personal debt
• Credit card
• Automobile loans
• Line of credit
1. On-going expenses for dependant child or parent care

8. Your Needs Are Different
As a young couple, your needs are different now than they will be in 30
years. The advice you are getting others may reflect their understanding of
THEIR situations more than it does their understanding of YOURS.
Planning professionals receive training in a broad range of circumstances,
They also get to personally assist clients across a wide spectrum of
situations.
You can not be expected to think of everything yourself. That is why it
makes financial and tax sense to sit down and go over your financial plans
with a trained and trusted advisor.
You are looking forward to a long and happy life together. Make sure you
understand what you need to meet your financial needs, now and in the
future!

9. ….Call or email today
Ken Zawalykut
Financial Advisor
IPC Securities Corporation
24 Covert Street, Suit 201
Cobourg, ON K9A 2L6
Phone: 905.372.0800
Email: ken.zawalykut@ipcsecurities.com
Website: www.kenzawalykut.ca
For a Comprehensive Look at
Your Financial Planning
Needs…
Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary
corporations. Investment Planning Counsel, is a fully integrated Wealth Management
Company. Mortgage broker services provided by IPC Save Inc. (Ontario Lic. #10227).
Mutual Funds available through IPC Investment Corporation and IPC Securities
Corporation. Securities available through IPC Securities Corporation, a member of the
Canadian Investor Protection Fund. Insurance products available through IPC Estate
Services Inc.

10. ….Call or email today
Ken Zawalykut
Financial Advisor
IPC Securities Corporation
24 Covert Street, Suit 201
Cobourg, ON K9A 2L6
Phone: 905.372.0800
Email: ken.zawalykut@ipcsecurities.com
Website: www.kenzawalykut.ca
For a Comprehensive Look at
Your Financial Planning
Needs…
Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary
corporations. Investment Planning Counsel, is a fully integrated Wealth Management
Company. Mortgage broker services provided by IPC Save Inc. (Ontario Lic. #10227).
Mutual Funds available through IPC Investment Corporation and IPC Securities
Corporation. Securities available through IPC Securities Corporation, a member of the
Canadian Investor Protection Fund. Insurance products available through IPC Estate
Services Inc.