Strategy

Financial planning

A living plan that aligns your wealth with your goals.

The financial planning service of Groupe Conseil Sabin Painchaud, a private wealth management team of National Bank Financial in Quebec, connects investing, taxation, retirement and estate planning into one integrated plan, reviewed regularly. It serves families, incorporated professionals and pre-retirees or new retirees.

Financial planning is the backbone of our work with you. It gives meaning to every investment decision and turns your aspirations into a concrete strategy.

Your plan is not a fixed document: it evolves with your life. We review it regularly so it stays aligned with your reality.

Our approach

How we work

Integrated view

Investing, taxation, retirement and estate brought together in one coherent strategy.

Quantified goals

Clear, measurable targets, tracked over time.

Rigorous projections

Scenarios to inform your major life decisions.

Ongoing review

A plan adjusted at every important stage of your journey.

Case study

Preparing an early retirement with confidence

Context: A couple of professionals wanted to retire at 58, uncertain whether their capital would last.
Our role: We modelled several drawdown scenarios, optimized the order of withdrawals and adjusted the portfolio accordingly.
Outcome: A clear plan confirming the project was feasible, with a comfortable safety margin.

Illustrative example. Every situation is unique and receives a personalized analysis.

Frequently asked questions

Your questions, answered.

A financial plan is a complete analysis of your situation — assets, income, projects, taxation — leading to concrete recommendations and an action timeline.

At least once a year, and at every major event: sale of a business, inheritance, career change, birth, and so on.

For clients under wealth management, financial planning is an integral part of the service, with no separate fee. The plan is built and then reviewed within the overall relationship.

Yes. Your accountant optimizes your annual tax situation; the financial plan projects your entire wealth over time — retirement, drawdown, estate — and coordinates all of these dimensions into one coherent strategy.

Tools