Does your financial future have a clear direction?
Do you have a financial plan? If so, does it need a fresh look by a professional?
Have major changes or events recently occurred in your life?

If you answered "Yes" to any of these questions, then you could definitely benefit from a free financial consultation with David Cryden, CFP®. Below is a list of the types of financial issues that would be covered in your consultation:

• Overall Financial Planning

• Retirement Planning

• Investments & Portfolio Review

• Wealth Building

• Education Planning

• Estate and Tax Planning

• Insurance Planning (Risk Management)

• Review of portfolio and personal financial planning issues

• Personal and Individual Service

• Quarterly Smart Money Talks.com newsletter

• Referrals to other professionals and professional organizations