{"id":1910,"date":"2023-05-18T09:05:36","date_gmt":"2023-05-18T14:05:36","guid":{"rendered":"https:\/\/gestionpatrimoinevilleneuve.com\/planification-retraite\/"},"modified":"2026-02-13T11:51:48","modified_gmt":"2026-02-13T16:51:48","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/gestionpatrimoinevilleneuve.com\/en\/retirement-planning\/","title":{"rendered":"Retirement planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1910\" class=\"elementor elementor-1910 elementor-1075\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15370b2 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15370b2\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;bb5c603&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b323434\" data-id=\"b323434\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd4afda elementor-invisible elementor-widget elementor-widget-jet-headline\" data-id=\"fd4afda\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"jet-headline jet-headline--direction-vertical\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__label\">Retirement\n\n<\/span><\/span><span class=\"jet-headline__part jet-headline__second\"><span class=\"jet-headline__label\">planning<\/span><\/span><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08d035d elementor-widget elementor-widget-spacer\" data-id=\"08d035d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dbef780\" data-id=\"dbef780\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb3f163 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb3f163\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-561b84f\" data-id=\"561b84f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f139fcd elementor-widget elementor-widget-image\" data-id=\"f139fcd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre.jpg\" class=\"attachment-full size-full wp-image-1425\" alt=\"\" srcset=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre.jpg 800w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre-300x300.jpg 300w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre-150x150.jpg 150w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre-768x768.jpg 768w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/06\/couple-planification-retraite_carre-500x500.jpg 500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f224d10\" data-id=\"f224d10\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c638c6d elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c638c6d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e57d85 elementor-tablet-align-left elementor-widget__width-auto elementor-widget-mobile__width-initial elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"2e57d85\" data-element_type=\"widget\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">Be well prepared for this stage of life\u2026<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7bd43e elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"b7bd43e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Retirement planning<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34e181f elementor-widget elementor-widget-spacer\" data-id=\"34e181f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7de1f8d elementor-widget elementor-widget-text-editor\" data-id=\"7de1f8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Retirement planning is an essential element that we all need to think about. This is the last stage of life that absolutely must be planned. We all want to arrive at this stage well prepared in order to experience a peaceful retirement, whatever our individual life journey. To do this, Villeneuve Wealth Management is a valuable ally who can offer you listening, advice and <a href=\"\/en\/investments\/\">financial investments<\/a> and <a href=\"\/en\/insurance\/\">personal insurance<\/a> products adapted to your needs.<\/p><p>When building your retirement plan, we will examine your financial situation, your concerns and your objectives in order to provide you with a personalized retirement plan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-367e060 elementor-widget elementor-widget-spacer\" data-id=\"367e060\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ebe31a elementor-widget elementor-widget-raven-button\" data-id=\"6ebe31a\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"\/en\/contact-us\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tBook a Discovery Call\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d08a122 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d08a122\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-965b8d7\" data-id=\"965b8d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2e1230 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"c2e1230\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">What elements should I consider in my retirement plan?<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecbef9b elementor-widget elementor-widget-spacer\" data-id=\"ecbef9b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5afd712 elementor-widget elementor-widget-spacer\" data-id=\"5afd712\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-578683e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"578683e\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6692a78\" data-id=\"6692a78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f6809a raven-flip-box--effect-flip raven-flip-box--direction-up elementor-widget elementor-widget-raven-flip-box\" data-id=\"6f6809a\" data-element_type=\"widget\" data-widget_type=\"raven-flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-flip-box\">\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__front\">\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-bullseye\"><\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"raven-flip-box__layer__title\">\n\t\t\t\t\t\t\tPersonal goals\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__back\"\t\t\t>\n\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-flip-box__layer__description\">\n\t\t\t\t\t\t\tWhat is your vision of your retirement? Would you like to live in the countryside or travel around the world by sailboat? According to your wishes, our advisor and our <a style=\"color:#fff; text-decoration:underline\" href=\"\/en\/about-us\/\">financial planner <\/a>will adjust your plan to make it happen.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-716a23a\" data-id=\"716a23a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5effbc4 raven-flip-box--effect-flip raven-flip-box--direction-up elementor-widget elementor-widget-raven-flip-box\" data-id=\"5effbc4\" data-element_type=\"widget\" data-widget_type=\"raven-flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-flip-box\">\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__front\">\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<i class=\"far fa-calendar-alt\"><\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"raven-flip-box__layer__title\">\n\t\t\t\t\t\t\tRetirement <br\/>planning\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__back\"\t\t\t>\n\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-flip-box__layer__description\">\n\t\t\t\t\t\t\tPlanning is arguably the most important part of achieving your goals. Indeed, depending on your personal goals, the projection of your cost of living in retirement will change. Together, we will determine your savings needs, your sources of income and retirement expenses. We will accompany you to adjust your plan throughout your life.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-4a120aa\" data-id=\"4a120aa\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3731397 raven-flip-box--effect-flip raven-flip-box--direction-up elementor-widget elementor-widget-raven-flip-box\" data-id=\"3731397\" data-element_type=\"widget\" data-widget_type=\"raven-flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-flip-box\">\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__front\">\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-money-bill-alt\"><\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"raven-flip-box__layer__title\">\n\t\t\t\t\t\t\tEconomic factors\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__back\"\t\t\t>\n\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-flip-box__layer__description\">\n\t\t\t\t\t\t\the rate of inflation, interest rates, stock market returns, the <a href=\"https:\/\/www.quebec.ca\/en\/employment\/plan-manage-career\/plan-retirement\/quebec-pension-plan\" target=\"_blank\" style=\"color:#fff; text-decoration:underline\">Qu\u00e9bec Pension Plan<\/a> and the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp.html\" target=\"_blank\" style=\"color:#fff; text-decoration:underline\">Canada Pension Plan (CPP)<\/a> are economic factors that will have an impact on your retirement plan. It is important to take these into consideration when planning for retirement. There are several ways to protect against certain variations in the economy.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-ae998f7\" data-id=\"ae998f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46e0f1a raven-flip-box--effect-flip raven-flip-box--direction-up elementor-widget elementor-widget-raven-flip-box\" data-id=\"46e0f1a\" data-element_type=\"widget\" data-widget_type=\"raven-flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-flip-box\">\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__front\">\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-user-alt\"><\/i>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"raven-flip-box__layer__title\">\n\t\t\t\t\t\t\tHuman factor\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"raven-flip-box__layer raven-flip-box__back\"\t\t\t>\n\n\t\t\t<div class=\"raven-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"raven-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-flip-box__layer__description\">\n\t\t\t\t\t\t\tFamily history, your gender and your lifestyle are three factors among many that will have an impact on your life expectancy. In addition, a good retirement plan will take into account your personality such as investor profile and your objectives.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62f2663 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62f2663\" data-element_type=\"section\" id=\"situation-financiere\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9a56ef7\" data-id=\"9a56ef7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6122653 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"6122653\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Review of your finances<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5490195 elementor-widget elementor-widget-spacer\" data-id=\"5490195\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b064330 elementor-widget elementor-widget-text-editor\" data-id=\"b064330\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIn order to be able to adequately advise you on your investments and retirement planning, we will take the time to take stock of your finances together. Afterwards, we will have a much better idea of what elements we can work on.\n\nExample of elements to draw up a portrait of your finances:\n<ul>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">List your assets<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">List your liabilities<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">List of income and expenses<\/li>\n<\/ul>\nDepending on the final portrait, we will be able to target elements to work on and we will make recommendations to improve your financial health.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-226d342\" data-id=\"226d342\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f13267 elementor-widget elementor-widget-image\" data-id=\"8f13267\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-500x500.jpg\" class=\"attachment-Image Size 500x500 size-Image Size 500x500 wp-image-1612\" alt=\"int\u00e9r\u00eat compos\u00e9\" srcset=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-500x500.jpg 500w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-300x300.jpg 300w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-1024x1024.jpg 1024w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-150x150.jpg 150w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre-768x768.jpg 768w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/07\/budget-carre.jpg 1200w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e4b2b81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4b2b81\" data-element_type=\"section\" id=\"objectifs-financiers\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fd7dbec\" data-id=\"fd7dbec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f2dbde elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"3f2dbde\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Budget<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd12d3 elementor-widget elementor-widget-spacer\" data-id=\"5fd12d3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25226c8 elementor-widget elementor-widget-text-editor\" data-id=\"25226c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe second step is to make a budget! This can help you better manage your money for the following reasons:\n<ol>\n  <li style=\"list-style-type: none;\">\n<ol>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">Understand where your money is going<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">Become aware of your income compared to your expenses<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">Determine your budget surpluses\/deficits<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">Improve your understanding of your personal finances<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\">Increase your feeling of control over your finances and thus possible stress reduction<\/li>\n  <li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Know your savings capacity<\/strong><\/li>\n<\/ol>\n<\/li>\n<\/ol>\nThe budget is essential for sound management of your finances.\n\nIf necessary, we will analyze your budget together in order to reflect on your expenses and income with the aim of increasing your liquidity and thus your quality of life.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e2e1d21\" data-id=\"e2e1d21\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cf0e1f elementor-widget elementor-widget-image\" data-id=\"4cf0e1f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/05\/assurance-entreprise-500x500.jpg\" class=\"attachment-Image Size 500x500 size-Image Size 500x500 wp-image-1052\" alt=\"\" srcset=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/05\/assurance-entreprise-500x500.jpg 500w, https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/2023\/05\/assurance-entreprise-150x150.jpg 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04296e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04296e3\" data-element_type=\"section\" id=\"profil-investisseur\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b6c789b\" data-id=\"b6c789b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a80c9f elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"4a80c9f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Management of your debts<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9d0b0a elementor-widget elementor-widget-spacer\" data-id=\"a9d0b0a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cc3515 elementor-widget elementor-widget-text-editor\" data-id=\"4cc3515\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Now that we have taken stock of your finances and you have a detailed budget in hand, we can look at your debts.<\/p><p>The ultimate goal is to eliminate all of your debt in order to free up these payments to save for your retirement, achieve personal goals, but also simply to please yourself!<\/p><p>Obviously, each of your debts will be analyzed to determine the order in which you should repay them. Indeed, we will favor debts with the highest interest rates. Credit cards are generally the debts that cost you the most in interest.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5a0d7a elementor-widget elementor-widget-spacer\" data-id=\"d5a0d7a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d5d111 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d5d111\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-07d69c1\" data-id=\"07d69c1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f78b9eb elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"f78b9eb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">Example credit card fees: 19.9% interest rate with a balance of $5,000<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9941b1e elementor-widget elementor-widget-spacer\" data-id=\"9941b1e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4975f2 elementor-widget elementor-widget-text-editor\" data-id=\"c4975f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you only make the minimum monthly payment of $150 (3%), it will take you 4 years and 1 month to pay off your card in full.<\/p><p>In the end, you will have paid credit fees of $2,336.67 and therefore your purchases of $5,000 would have actually cost you $7,336.67, or 47% more.<\/p><p>The credit card is an advantageous financial tool when used correctly, but you must be careful not to fall into certain traps:<\/p><ul><li aria-level=\"1\">Spending beyond your means<\/li><li aria-level=\"1\">Hard your credit score if you have late payments or use up a lot of your borrowing capacity<\/li><li aria-level=\"1\">Incurring significant interest charges when you don&#8217;t repay your balance monthly<\/li><\/ul><p>On the other hand, certain debts with lower rates may not be a priority because you can, in general, invest elsewhere with a higher average return. For example, student loans have low interest rates compared to the average stock market return and the interest charges are tax deductible. It would therefore be more advantageous for you to invest your budget surplus in the stock market rather than repay your student loan more quickly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-95d3e08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95d3e08\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82c7bba\" data-id=\"82c7bba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-041c350 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"041c350\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Investments<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f94986f elementor-widget elementor-widget-spacer\" data-id=\"f94986f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c24c20 elementor-widget elementor-widget-text-editor\" data-id=\"7c24c20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tAt the same time as managing your debts, together we will organize an investment strategy based on your objectives. For example, changing your car, traveling, buying a house as well as your retirement income will be the type of goals that savings will allow you to achieve. By combining systematic savings and a return adapted to your needs, you can achieve your goals.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8ba6ec elementor-widget elementor-widget-spacer\" data-id=\"f8ba6ec\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7705a elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"1e7705a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">Fictional case Mrs. Laroche, 24 years old, nurse <br>Annual salary: $70,000<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2db6691 elementor-widget elementor-widget-spacer\" data-id=\"2db6691\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d120c45 elementor-widget elementor-widget-text-editor\" data-id=\"d120c45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In order to save for her retirement, we agreed with Mrs. Laroche that she would save $300\/month and that she would invest it in an investment vehicle with an average expected return of 6% annually. Mrs. Laroche plans to retire at 65. Therefore, his investment horizon is 41 years (65 &#8211; 24 years)<\/p><p><strong style=\"display: inline-block; padding: 8px 12px; background: #e1e1e1;\">Balance accumulated at age 65 according to projection calculations: $613,310<\/strong><\/p><p>After discussion with Mrs. Laroche, she asked us to calculate the accumulated balance if she saved $500\/month rather than $300\/month<\/p><p><strong style=\"display: inline-block; padding: 8px 12px; background: #e1e1e1;\">Balance accumulated at age 65 according to projection calculations: $1,022,184<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-345b9a5 elementor-widget elementor-widget-spacer\" data-id=\"345b9a5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f06c607 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f06c607\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b47b22f\" data-id=\"b47b22f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-978b192 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"978b192\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">Interesting facts<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386c245 elementor-widget elementor-widget-spacer\" data-id=\"386c245\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6f985 elementor-widget elementor-widget-text-editor\" data-id=\"0b6f985\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMrs. Laroche will have saved only <strong>$246,000,<\/strong> but will have collected <strong>interest of the order of $776,184<\/strong>\n\n(246,000 + 776,184 = <strong>$1,022,184<\/strong>)\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66205ca\" data-id=\"66205ca\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-663eda6 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"663eda6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">Impressive isn't it?<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88c4b51 elementor-widget elementor-widget-spacer\" data-id=\"88c4b51\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7113613 elementor-widget elementor-widget-text-editor\" data-id=\"7113613\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThis is exactly why Albert Einstein once said <i>\u00abCompound interest is the greatest invention the world has ever produced\u00bb <\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56323d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56323d9\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3db72b\" data-id=\"a3db72b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c2d17f elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"0c2d17f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Assess the future value of your investments\u200b<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10570b7 elementor-widget elementor-widget-shortcode\" data-id=\"10570b7\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wpbox-sic-main wpbox-sic-card\">\r\n<!-- --------------------------------------------- MAIN --------------------- -->\r\n<div class=\"wpbox-flexer-1\">\t\r\n\r\n<div id=\"wpbox-sec-1\">\t\r\n\r\n<script type=\"text\/javascript\">function wpbox_config(){return ['$',1];}<\/script>\r\n\r\n<style type=\"text\/css\">\r\n:root{\r\n --wpbox-theme-color:#142b51; \r\n--wpbox-starting-amount: #142b51;\r\n--wpbox-interest-earned:#ffb400;\r\n--wpbox-contribution: #00808f;\r\n--wpbox-rows-color:#142b5121;\r\n\r\n--wpbox-calc-area-width:1199px;\r\n}\r\n<\/style>\r\n<script type=\"text\/javascript\">\r\n\tfunction wpbox_default_names() {\r\n\t\treturn [\"Montant de d\u00e9part \/ Starting Amount\",\"Contribution totale \/ Total Contribution\",\"Rendement totaux \/ Total returnEarned\"];\r\n\t}\r\n<\/script>\r\n<form id=\"wpbox-input-form\" onsubmit=\"wpbox_cal();return false;\">\r\n\t<div class=\"wpbox-input-container wpbox_show\">\r\n\t<span class=\"wpbox-input-label\">Montant actuel \/ Starting Amount<\/span>\r\n\t<input type=\"text\" class=\"khyzer wpbox-fieldset-input wpbox-currency\" name=\"wpbox_starting\" id=\"wpbox_starting\" placeholder=\"Enter\" value=\"10000\">\r\n    <\/div>\r\n\r\n    <div class=\"wpbox-input-container wpbox_show\">\r\n\t<span class=\"wpbox-input-label\">Contribution<\/span>\r\n\t<input type=\"text\" class=\"khyzer wpbox-fieldset-input wpbox-currency\" name=\"wpbox_addition\" id=\"wpbox_addition\" placeholder=\"Enter\" value=\"300\">\r\n    <\/div>\r\n\r\n    <div class=\"wpbox-input-container wpbox_show\">\r\n\t<span class=\"wpbox-input-label\">Fr\u00e9quence \/ Frequency<\/span>\r\n\t<select class=\"khyzer wpbox-fieldset-input\" name=\"wpbox_frequency\" id=\"wpbox_frequency\" selected-val=\"12\">\r\n\t\t\t\t<option value=\"1\">Annuel \/ Annually<\/option>\r\n\t\t\t    <option value=\"2\">Semi-annuel \/ Semi-Annually<\/option>\r\n\t\t\t\t<option value=\"12\">Mensuel \/ Monthly<\/option>\r\n\t\t\t\t<option value=\"52\">Hebdomadaire \/ Weekly<\/option>\r\n\t\t\t\t<option value=\"26\">Bi-hebdomadaire \/ Bi-Weekly<\/option>\r\n\t<\/select>\r\n    <\/div>\r\n\r\n    <div class=\"wpbox-input-container wpbox_show\">\r\n\t<span class=\"wpbox-input-label\">Rendement \/ Return rate<\/span>\r\n\t<input type=\"text\" class=\"khyzer wpbox-fieldset-input wpbox-perc\" name=\"wpbox_rate\" id=\"wpbox_rate\" placeholder=\"Enter\" value=\"6%\">\r\n    <\/div>\r\n\r\n    <div class=\"wpbox-input-container wpbox_show\">\r\n\t<span class=\"wpbox-input-label\">Ann\u00e9es d\\&#039;accumulation \/ Years to Grow<\/span>\r\n\t<input type=\"text\" class=\"khyzer wpbox-fieldset-input\" name=\"wpbox_years\" id=\"wpbox_years\" placeholder=\"Enter\" value=\"30\">\r\n    <\/div>\r\n\r\n    <div class=\"wpbox-input-container wpbox-btn-container\">\r\n\t<center><button type=\"submit\" class=\"wpbox-btn\">Calculer \/ Calculate <i class=\"fas fa-calculator\"><\/i><\/button><\/center>\r\n    <\/div>\r\n<\/form>\r\n\r\n<\/div>\r\n\r\n<div id=\"wpbox-sec-2\">\r\n\t<div id=\"wpbox-chart\"><\/div>\r\n\t<div class=\"wpbox-inv-calc\">\r\n\t\t<hr class=\"wpbox-spacer\">\r\n\t\tValeur finale \/ Final value <span id=\"WPBOX_INV_WORHT\">-<\/span>\r\n\t<\/div>\r\n<\/div>\r\n\r\n<\/div>  <!--  ------------ FLEXER 1 ENDS -------------- -->\r\n\r\n\r\n<div class=\"wpbox-summ-div wpbox_show\">\r\n\r\n<div class=\"wpbox-colchart-main-container\"><div id=\"wpbox-col-chart\"><\/div><\/div>\r\n\r\n<div class=\"first-col-sticky_app\">\r\n<table style=\"width:100%;text-align: center;\" class=\"wpbox-summ-tb\">\r\n<thead>\t\r\n<tr>\r\n<td>Ann\u00e9e \/ Year<\/td>\r\n<td>Montant de d\u00e9part \/ Starting Amount<\/td>\r\n<td>Contribution annuelle \/ Annual Contribution<\/td>\r\n<td>Contribution totale \/ Total Contribution<\/td>\r\n<td>Rendement \/ Return<\/td>\r\n<td>Rendement totaux \/ Total returnEarned<\/td>\r\n<td>Solde accumul\u00e9 \/ End Balance<\/td>\r\n<\/tr>\r\n<\/thead>\r\n<tbody id=\"wpbox-summ-tbody\"><\/tbody>\r\n<\/table>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<!-- --------------------------------------------- MAIN --------------------- -->\r\n<\/div>\r\n\r\n\r\n<style type=\"text\/css\">.wpbox_hide{display: none;}<\/style>\r\n<script type=\"text\/javascript\">\r\n\tvar wpbox_frequency = jQuery('#wpbox_frequency').attr('selected-val');\r\n\tjQuery('#wpbox_frequency').val(wpbox_frequency);\r\n<\/script><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24f7652 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24f7652\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;967bb1b&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c875079\" data-id=\"c875079\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48d5074 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"48d5074\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Interested in having a projection of your retirement?<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0eef7 elementor-widget elementor-widget-spacer\" data-id=\"3c0eef7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fed3e71\" data-id=\"fed3e71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f542006 elementor-widget elementor-widget-raven-button\" data-id=\"f542006\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"\/en\/contact-us\/\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tBook a call\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1463126 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1463126\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b601a6b\" data-id=\"b601a6b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5aa495f elementor-tablet-align-center elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"5aa495f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">Our financial services partners<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-805158d elementor-arrows-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"805158d\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;6&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 10\"><figure class=\"swiper-slide-inner\"><img 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src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/elementor\/thumbs\/logo_invesco-q56ynygdvy46xxixbnvam7qzar4keojie8xsv01pdc.png\" alt=\"logo Invesco\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 10\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/elementor\/thumbs\/logo_fidelity-q56ynxijp42wmbkah5go1pzipd976zfs24abdq33jk.png\" alt=\"logo Fidelity Investments\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 10\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/gestionpatrimoinevilleneuve.com\/wp-content\/uploads\/elementor\/thumbs\/logo_fonds-dynamique-q56ynxijp42wmbkah5go1pzipd976zfs24abdq33jk.png\" alt=\"logo Fonds Dynamique\" \/><\/figure><\/div><div 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class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf0a2c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf0a2c7\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0afa7eb\" data-id=\"0afa7eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79c379f elementor-widget elementor-widget-shortcode\" data-id=\"79c379f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1735\" class=\"elementor elementor-1735 elementor-1349\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bbaf27c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bbaf27c\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;6797561&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;50&quot;,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_bg_x&quot;:&quot;50&quot;,&quot;jet_parallax_layout_bg_y&quot;:&quot;50&quot;,&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:null,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-09c62ad\" data-id=\"09c62ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee38f2b elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ee38f2b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd418f elementor-tablet-align-left elementor-widget__width-auto elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"9dd418f\" data-element_type=\"widget\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">TESTIMONIALS<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699f223 elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"699f223\" data-element_type=\"widget\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \">They recommend Villeneuve Wealth Management<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f05599 elementor-widget elementor-widget-spacer\" data-id=\"3f05599\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd962b3 elementor-widget elementor-widget-jet-testimonials\" data-id=\"cd962b3\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;}\" data-widget_type=\"jet-testimonials.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-testimonials jet-elements\">\n<div class=\"jet-testimonials\">\n\t<div class=\"jet-testimonials__instance elementor-slick-slider jet-testimonials--comment-corner\" data-settings='{\"autoplaySpeed\":5000,\"autoplay\":true,\"infinite\":true,\"centerMode\":false,\"centerPadding\":\"50px\",\"adaptiveHeight\":true,\"pauseOnHover\":false,\"speed\":500,\"arrows\":false,\"dots\":true,\"slidesToScroll\":1,\"prevArrow\":\".jet-testimonial__prev-arrow-cd962b3\",\"nextArrow\":\".jet-testimonial__next-arrow-cd962b3\",\"rtl\":false}' dir=\"ltr\"><div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Alexandre is very easy to talk to and has exceptional organizational skills and attention to detail. He is responsive and always willing to answer any questions I have, helping me in achieving my financial goals. I recommend Alexandre to anyone seeking an independent, competent, and dedicated partner in managing their finances.<\/div><div class=\"jet-testimonials__name\"><span>Tatjana<\/span><\/div><div class=\"jet-testimonials__position\"><span>Client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\"><small>(translated from French)<\/small><br\/>I would recommend to a friend looking for financial services.<\/div><div class=\"jet-testimonials__name\"><span>Louis-Philippe Thauvette<\/span><\/div><div class=\"jet-testimonials__position\"><span>Client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\"><small>(translated from French)<\/small><br\/>Mr. Villeneuve always takes the time to explain his recommendations and he always makes sure that we understand. He knows how to put us at ease.<\/div><div class=\"jet-testimonials__name\"><span>Cathalina Armbruster<\/span><\/div><div class=\"jet-testimonials__position\"><span>Client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Mr. Villeneuve was very professional and human. His goal is truly to help people improve their financial situation. He was able to clearly explain the importance of investing and I felt his approach was personalized. I therefore recommend it for anyone who would like to start investing or improve their financial situation.\n<\/div><div class=\"jet-testimonials__name\"><span>Pierre-Olivier Tremblay<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Mr. Villeneuve helped me understand how to invest my money so that I could save for my future. He is reassuring and explains well what needs to be done.\n<\/div><div class=\"jet-testimonials__name\"><span>Rosalie Ferri<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Alexandre inspires confidence. Professional and attentive. His advice is objective and personalized. I recommend it without hesitation.\n<\/div><div class=\"jet-testimonials__name\"><span>Andrew Lapointe<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Very satisfied. I highly recommend. He took the time needed to find the true needs of our family and our wallet. The service is very human and our questions were all answered clearly.\n<\/div><div class=\"jet-testimonials__name\"><span>Alyssa Beaudoin<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Alexandre knew how to direct my investments into the right investment portfolio. I recommend his personalized advice to everyone.\n<\/div><div class=\"jet-testimonials__name\"><span>Marco Ferri<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"jet-testimonials__item\">\n\t<div class=\"jet-testimonials__item-inner\">\n\t\t<div class=\"jet-testimonials__content\"><div class=\"jet-testimonials__comment\">Alexandre is a dynamic and very competent young professional who listens to his clients, I always trust him<\/div><div class=\"jet-testimonials__name\"><span>Michel Pigeon<\/span><\/div><div class=\"jet-testimonials__position\"><span>client<\/span><\/div><\/div>\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfe51a9 elementor-widget elementor-widget-spacer\" data-id=\"bfe51a9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9ca1afd elementor-invisible\" data-id=\"9ca1afd\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea39979 elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ea39979\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b72b8 elementor-tablet-align-left elementor-widget__width-auto elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"b2b72b8\" data-element_type=\"widget\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h3 class=\"raven-heading raven-heading-h3\"><span class=\"raven-heading-title \">FINANCIAL SERVICES<\/span><\/h3><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0030f2b elementor-align-left elementor-widget elementor-widget-raven-heading\" data-id=\"0030f2b\" data-element_type=\"widget\" data-widget_type=\"raven-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\"><h2 class=\"raven-heading raven-heading-h2\"><span class=\"raven-heading-title \"> Consultation request<\/span><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ec4ae elementor-widget elementor-widget-spacer\" data-id=\"c1ec4ae\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32ed5be raven-form-button-align-spaced elementor-widget elementor-widget-raven-form\" data-id=\"32ed5be\" data-element_type=\"widget\" data-settings=\"{&quot;fields&quot;:[{&quot;placeholder&quot;:&quot;Name*&quot;,&quot;_id&quot;:&quot;ec992fb&quot;,&quot;acceptance_text&quot;:null,&quot;rows&quot;:null,&quot;width&quot;:&quot;50&quot;,&quot;step_previous_button&quot;:null,&quot;step_next_button&quot;:null,&quot;required&quot;:&quot;true&quot;,&quot;field_custom_id&quot;:&quot;ec992fb&quot;,&quot;type&quot;:&quot;text&quot;,&quot;label&quot;:&quot;&quot;,&quot;recaptcha_badge&quot;:null,&quot;recaptcha_theme&quot;:null,&quot;recaptcha_size&quot;:null,&quot;checked_by_default&quot;:null,&quot;min_time&quot;:null,&quot;max_time&quot;:null,&quot;min_date&quot;:null,&quot;max_date&quot;:null,&quot;localization&quot;:null,&quot;min&quot;:null,&quot;max&quot;:null,&quot;field_options&quot;:null,&quot;inline_list&quot;:null,&quot;field_html&quot;:null,&quot;native_html5&quot;:null,&quot;multiple_selection&quot;:null,&quot;iti_tel&quot;:null,&quot;iti_tel_tel_type&quot;:null,&quot;iti_tel_require_area&quot;:null,&quot;iti_tel_allow_dropdown&quot;:null,&quot;iti_tel_country_include&quot;:null,&quot;iti_tel_ip_detect&quot;:null,&quot;iti_tel_internationalize&quot;:null,&quot;file_sizes&quot;:null,&quot;file_types&quot;:null,&quot;allow_multiple_upload&quot;:null,&quot;max_files&quot;:null,&quot;step_icon&quot;:null,&quot;field_value&quot;:&quot;&quot;},{&quot;type&quot;:&quot;tel&quot;,&quot;placeholder&quot;:&quot;Phone 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life\u2026 Retirement planning Retirement planning is an essential element that we all need to think about. This is the last stage of life that absolutely must be planned. We all want to arrive at this stage well prepared in order to experience a peaceful retirement, whatever [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1910","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirement Planning | Villeneuve Wealth Management<\/title>\n<meta name=\"description\" content=\"We will examine your financial situation, your concerns and your objectives in order to submit a personalized retirement plan. 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