{"id":247143,"date":"2023-08-22T13:19:10","date_gmt":"2023-08-22T18:19:10","guid":{"rendered":"https:\/\/caissetech.com\/?p=247143"},"modified":"2023-08-23T16:03:07","modified_gmt":"2023-08-23T21:03:07","slug":"5-myths-about-the-financial-plan","status":"publish","type":"post","link":"https:\/\/caissetech.com\/en\/5-myths-about-the-financial-plan\/","title":{"rendered":"5 myths about the financial plan"},"content":{"rendered":"\n[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-1px|-1px|-1px|-1px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\" style=\"font-size: 16px;\">While financial planning may seem disorienting, we guarantee it doesn&rsquo;t have to be. You need to see financial planning as an important moment when you verbalize your ambitions, projects and life goals so that you can make them a reality. <\/span><span data-contrast=\"auto\"><\/span><\/p>\n<p>The financial plan serves as a guideline to help you achieve financial independence. It includes planning for your children&rsquo;s education, investments, property purchases and retirement, among other things.<\/p>\n<p>Whether you&rsquo;re an employee, self-employed or entrepreneur, it&rsquo;s an agile exercise that adapts to all types of financial situations.<\/p>\n<h3 style=\"text-align: left;\">By mapping your finances,<\/h3>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">You&rsquo;re better prepared for the unexpected because you&rsquo;ll have a financial cushion.<\/li>\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">You know the state of your financial health, so you make better decisions.<\/li>\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Calibri&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">You ensure yourself long-term peace of mind.<\/li>\n<\/ul>\n<p>Above all, you don&rsquo;t have to dive headfirst into the numbers by yourself. At Desjardins, financial planning is completely free.<\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">Our wealth management team at the Caisse Desjardins des Technologies understands the context of workers in the technology and telecom sectors, and knows exactly how to guide your plan so that it&rsquo;s just right for you. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/caissetech.com\/wp-content\/uploads\/2023\/08\/equipe-GDP3.png\u00a0\u00bb title_text=\u00a0\u00bb\u00e9quipe GDP3&Prime; _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb0px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_image][et_pb_button button_url=\u00a0\u00bbhttps:\/\/forms.office.com\/r\/hx5GSY5hSt\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbMeet one of our Caisse advisors\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb button_text_size=\u00a0\u00bb15px\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#000000&Prime; button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_border_color=\u00a0\u00bb#000000&Prime; button_border_radius=\u00a0\u00bb24px\u00a0\u00bb button_letter_spacing=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bb|700|||||||\u00a0\u00bb custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb13px|10px|13px|10px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; custom_css_main_element=\u00a0\u00bbtext-transform : none!important;\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bbon|hover\u00a0\u00bb button_text_color__hover=\u00a0\u00bb#00874E\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon|desktop\u00a0\u00bb button_bg_color__hover=\u00a0\u00bbRGBA(255,91,91,0)\u00a0\u00bb button_bg_enable_color__hover=\u00a0\u00bbon\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_padding=\u00a0\u00bb25px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; header_4_text_color=\u00a0\u00bb#00874E\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_padding=\u00a0\u00bb15px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h4><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">MYTH 1 : \u00ab I&rsquo;m too young to think about my financial plan. <\/span><\/span><\/b><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00bb<\/span><\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h4>\n<p>No, you aren&rsquo;t! Whether you&rsquo;re just starting out in your career or not, it&rsquo;s never too early to plan for your financial future. In fact, the younger you are, the more time you have to benefit from the returns on your savings and investments. Even if you can&rsquo;t put a lot of money aside right now, you&rsquo;re developing your savings reflex and your financial agility.<\/p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbHortensia Sanz\u00a0\u00bb job_title=\u00a0\u00bbWealth management advisor\u00a0\u00bb quote_icon_color=\u00a0\u00bb#000000&Prime; _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; author_text_color=\u00a0\u00bb#00874E\u00a0\u00bb author_line_height=\u00a0\u00bb1em\u00a0\u00bb position_text_color=\u00a0\u00bb#000000&Prime; position_font_size=\u00a0\u00bb-6px\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p><i><span data-contrast=\"auto\">It&rsquo;s important to update your plan as soon as you start a new job, since many employers offer tax benefits, such as retirement funds. A good management of its levers can pay you big later.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_padding=\u00a0\u00bb15px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h4><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">MYTH 2 : <\/span><\/span><\/b><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00ab The financial plan is the same as the budget.<\/span><\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00bb<\/span><\/span><\/b><\/h4>\n<p>No. These tools have different purposes, although both are important. A budget is primarily a tool for managing day-to-day finances. It&rsquo;s great to follow one to make sure you have the minimum funds for recurring accounts, like your phone bill or mortgage. The financial plan has the more global objective of linking together all the important financial aspects, such as debt management, protection, tax optimization and so on.<\/p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbAlexandre Amyot-Clairoux\u00a0\u00bb job_title=\u00a0\u00bbWealth Management Advisor\u00a0\u00bb quote_icon_color=\u00a0\u00bb#000000&Prime; quote_icon_background_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; author_text_color=\u00a0\u00bb#00874E\u00a0\u00bb author_line_height=\u00a0\u00bb1em\u00a0\u00bb position_text_color=\u00a0\u00bb#000000&Prime; position_font_size=\u00a0\u00bb15px\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p>In a good financial management, the budget is integrated into the financial plan to ensure a good balance between your standard of living and your ability to save.<\/p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_padding=\u00a0\u00bb15px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h4><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">MYTH 3 : \u00ab I don&rsquo;t make enough money to make my financial plan. <\/span><\/span><\/b><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00bb<\/span><\/span><\/b><\/h4>\n<p><span data-contrast=\"auto\">Whether you&rsquo;re making $30,000, $70,000 or $100,000 a year, a financial plan helps you anticipate risks and unforeseen events. No one is immune to financial problems, but it&rsquo;s often those who are well prepared who recover more easily. That&rsquo;s why strategies are developed specifically for your financial situation and goals, with your advisor.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p>According to a survey by the Institut qu\u00e9b\u00e9cois de planification financi\u00e8re, just over half (56%) of Quebecers have a financial plan, regardless of their annual salary.<\/p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bb\u00c9tienne Trudel\u00a0\u00bb job_title=\u00a0\u00bbWealth management advisor\u00a0\u00bb quote_icon_color=\u00a0\u00bb#000000&Prime; _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; author_text_color=\u00a0\u00bb#00874E\u00a0\u00bb author_line_height=\u00a0\u00bb1em\u00a0\u00bb position_text_color=\u00a0\u00bb#000000&Prime; position_font_size=\u00a0\u00bb14px\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p>The plan we work on together can be adjusted at any time. As your life changes, we revise it as necessary to ensure that it always meets your financial goals.<\/p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_padding=\u00a0\u00bb15px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h4><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">MYTH 4 : <\/span><\/span><\/b><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00ab The financial plan is only a retirement plan.<\/span><\/span><\/b><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00bb<\/span><\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h4>\n<p>Not only that. Work trends are changing in all job markets, but particularly in technology. Professional or business opportunities can arise at any time. With a good financial plan, you&rsquo;ll quickly get an overview of your financial health so you can make informed decisions.<\/p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbDanny Goncalves\u00a0\u00bb job_title=\u00a0\u00bbWealth management advisor\u00a0\u00bb quote_icon_color=\u00a0\u00bb#000000&Prime; _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; author_text_color=\u00a0\u00bb#00874E\u00a0\u00bb author_line_height=\u00a0\u00bb1em\u00a0\u00bb position_text_color=\u00a0\u00bb#000000&Prime; position_font_size=\u00a0\u00bb15px\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p><i><span data-contrast=\"auto\">A financial plan greatly facilitates the development of your retirement plan and your estate planning. It&rsquo;s peace of mind for you and your family.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_padding=\u00a0\u00bb15px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h4><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">MYTH 5 : \u00ab I don&rsquo;t need a financial advisor to carry out my plan.<\/span><\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><b><span data-contrast=\"auto\"><span style=\"color: #00874e;\">\u00bb<\/span><\/span><\/b><\/h4>\n<p>Of course, there&rsquo;s some financial planning you need to do on your own, such as thinking through your life plans and personal ambitions, but calling in a qualified professional provides you with specialized knowledge, personalized strategies and experience to help you avoid making mistakes, which can be costly.<\/p>[\/et_pb_text][et_pb_testimonial author=\u00a0\u00bbAlexandre Amyot-Clairoux\u00a0\u00bb job_title=\u00a0\u00bbWealth management advisor\u00a0\u00bb quote_icon_color=\u00a0\u00bb#000000&Prime; _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; author_text_color=\u00a0\u00bb#00874E\u00a0\u00bb author_line_height=\u00a0\u00bb1em\u00a0\u00bb position_text_color=\u00a0\u00bb#000000&Prime; position_font_size=\u00a0\u00bb15px\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p>When you draw up a financial plan on our own, you can be biased by your emotions. When you do it with an advisor, you get a neutral, objective opinion.<\/p>[\/et_pb_testimonial][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_orientation=\u00a0\u00bbjustified\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb15px||0px||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p>Now that you know more about the financial plan, are you ready to do it?<\/p>\n<h3><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\"><\/span><\/h3>\n<h3 style=\"text-align: left;\">Appointments for members<\/h3>\n<ul>\n<li>Via Acc\u00e8sD mobile or Web with your advisor<\/li>\n<li>By phone at 514-393-9552 or by filling out the following form :<\/li>\n<\/ul>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/forms.office.com\/r\/hx5GSY5hSt\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbAppointment form\u00a0\u00bb button_alignment=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb button_text_size=\u00a0\u00bb15px\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#00874E\u00a0\u00bb button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_border_color=\u00a0\u00bb#008457&Prime; button_border_radius=\u00a0\u00bb21px\u00a0\u00bb button_letter_spacing=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bb||||||||\u00a0\u00bb custom_margin=\u00a0\u00bb0px||30px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb2px|10px|2px|10px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; custom_css_main_element=\u00a0\u00bbtext-transform : none!important;\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bbon|hover\u00a0\u00bb button_text_color__hover=\u00a0\u00bb#00874E\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon|desktop\u00a0\u00bb button_bg_color__hover=\u00a0\u00bbRGBA(255,91,91,0)\u00a0\u00bb button_bg_enable_color__hover=\u00a0\u00bbon\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; custom_margin=\u00a0\u00bb||1px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<h3 style=\"text-align: left;\"><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">For non-members of the Caisse<\/span><span data-contrast=\"none\"><\/span><\/h3>\n<ul>\n<li>Open your account online in just 10 minutes.<\/li>\n<\/ul>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/www.desjardins.com\/qc\/en\/accounts-services\/everyday-account.html\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbBecome a member now\u00a0\u00bb button_alignment=\u00a0\u00bbleft\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb button_text_size=\u00a0\u00bb16px\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#00874E\u00a0\u00bb button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_border_color=\u00a0\u00bb#008457&Prime; button_border_radius=\u00a0\u00bb21px\u00a0\u00bb button_letter_spacing=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bb|700|||||||\u00a0\u00bb custom_margin=\u00a0\u00bb0px||22px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb5px|10px|5px|10px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; custom_css_main_element=\u00a0\u00bbtext-transform : none!important;\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bbon|hover\u00a0\u00bb button_text_color__hover=\u00a0\u00bb#00874E\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon|desktop\u00a0\u00bb button_bg_color__hover=\u00a0\u00bbRGBA(255,91,91,0)\u00a0\u00bb button_bg_enable_color__hover=\u00a0\u00bbon\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; custom_margin=\u00a0\u00bb-1px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<ul>\n<li>You can also open your account with Mariana Ribac at 514-393-9552, ext.<strong> 7157235<\/strong> or <a href=\"mailto:mariana.x.ribac@desjardins.com\">mariana.x.ribac@desjardins.com<\/a>.<\/li>\n<li>You can then continue on to the financial plan with your dedicated wealth management advisor.<\/li>\n<\/ul>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>While financial planning may seem disorienting, we guarantee it doesn&rsquo;t have to be. You need to see financial planning as an important moment when you verbalize your ambitions, projects and life goals so that you can make them a reality. The financial plan serves as a guideline to help you achieve financial independence. It includes&#8230;<\/p>\n","protected":false},"author":9,"featured_media":247132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_piecal_is_event":false,"_piecal_start_date":"","_piecal_end_date":"","_piecal_is_allday":false,"footnotes":""},"categories":[310],"tags":[],"class_list":["post-247143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education"],"acf":[],"_links":{"self":[{"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/posts\/247143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/comments?post=247143"}],"version-history":[{"count":3,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/posts\/247143\/revisions"}],"predecessor-version":[{"id":247150,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/posts\/247143\/revisions\/247150"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/media\/247132"}],"wp:attachment":[{"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/media?parent=247143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/categories?post=247143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/caissetech.com\/wp-json\/wp\/v2\/tags?post=247143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}