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A Financial Advisor is a blanket term to describe someone who helps people with money. They can be a Certified Financial Planner (CFP), an Insurance Advisors, Investment Advisors, An Accredited Financial Counsellor (AFCC), Certified Credit Counsellor, or a Financial Coach.  There are no regulations on who can call themselves a Financial Advisor.  

As you can see there are many professions who fall under the umbrella of Financial Advisor and within each profession are different avenues of education and experience.  Many of these profession have things in common, most will look at your current financial situation; income, assets, and liabilities. They will discuss your short term and long term goals and map out a plan for you to meet those goals.  

Trying to decide who to see can be overwhelming.  Where you fall in your financial journey will help you decide who to meet.    Think of these questions when trying to choose what professional advice you need.

• Are you struggling with debt? If so a Certified Credit Counsellor is a great resource.  
• Are you looking to supplement your income due to an illness, or want to protect your assets?  An Insurance Advisor would be a great person to contact.  
• Are you over spending, does budgeting cause you to become overwhelmed, or are you and your partner arguing about money?  In this case a Financial Coach or an Accredited Financial Counsellor would be your ideal advisor.  
• Do you want to learn about investments?  Contact an Investment Advisor
• Are you wanting to plan for retirement, need tax advice, or estate planning?  If so a Certified Financial Planner (CFP) would be a great resource.  

As you can see each designation has their own strengths when it comes to helping you with your money management needs.   Let’s take a more detailed look at each Financial Advisor profession.  

Insurance Advisor

An Insurance Advisor will help you with all your insurance needs.  They will look at what your income needs are, what assets you have and provide advice on the best types of insurance to ensure you have adequate protection against loss of income, or damage to assets.  They will review your short and long term goals and provide you with the most suitable insurance products and the estimated costs.   

Investment Advisor

All Investment Advisors in Canada need to be registered with Investment Industry Regulatory Organization of Canada (IIROC).  An Investment Advisor will discuss your short and long term goals, your risk tolerance, and provide you with investment strategies to meet your financial goals.  They will monitor your investments, and stay up to date on the investment trends in the market.  They provide advice on mutual funds, securities, stocks and bonds. 

Accredited Financial Counsellor

An Accredited Financial Counsellor gets their certification through the Ontario Association of Credit Counselling Services (OACCS) this is a rigorous training of investments, estate planning, budgeting, debt repayment options, and counselling skills to ensure a holistic approach is used.  At Resolve Counselling Services of Canada our AFCC’s focus on the financial challenges people face, and educate clients on how to manage their debt and assets to meet their long term goals.  They will help clients create and stick with a budget, and provide tools to improve their credit.  Click here to lean more about becoming an Accredited Financial Counsellor Accredited Financial Counsellor Canada Designation Program – OACCS, Financial Literacy Empowerment, AFCC Certification and Accreditation : OACCS, Financial Literacy Empowerment, AFCC Certification and Accreditation (financialfitness.ca)

Financial Coach

A Financial Coach like the ones at Resolve Counselling Services of Canada, look at not only your income and expenses, but also your behaviours with money.  They empower you to make positive financial decisions, and help you create a financial plan that is tailored to your situation and work with your strengths.   At Resolve we will provide tools to help you reduce over shopping, improve your communication with loved ones, and help you set and achieve financial goals. 

Certified Credit Counsellor

A Certified Credit Counsellor receives their certification from the Ontario Association of Credit Counselling Services (OACCS) and are experts in all things to do with debt.  At Resolve our Certified Credit Counsellors will review your financial situation and provide you will information on how to become debt free.  There are several debt options such as a consolidation loan, debt management programs, consumer proposals, bankruptcy, and refinancing.   A good Certified Credit Counsellor will be able to review your financial situation and explain the pro’s and cons of each of these programs, what the payments would be, and how they would work within in your financial situation so you can make an informed decision.  Contact a certified credit counsellor at Resolve for a free assessment to learn your options.  

Certified Financial Planner

A Certified Financial Planner (CFP) is a well known designation.  A CFP received their designation from the Certified Financial Planner Board of Standards, and only people with this designation can call themselves a certified financial planner.  CFP’s come from various Financial Advisor roles such as insurance brokers, accountants, investment advisors and other professional designations.   CFP’s advise on investments, insurance needs, and retirement planning so you can meet your long term financial goals.  A CFP might sell financial products to help you meet your goals, and will monitor your progress and life changes to ensure that your needs are being met through each stage of your financial journey.  

Resolve Counselling Services of Canada has Certified Credit Counsellors, Accredited Financial Counsellors and Financial coaches in their Financial Wellness program.  We can help you 

• Create and stick to a budget 
• Reduce overspending 
• Improve your mindset about money 
• Set and achieve financial goals 
• Become debt free 
• Stop arguing about money

Contact us today for a free assessment to get on your way towards long term financial wellness. Contact us now!

Authored by: Jeri Bittorf – Financial Wellness Coordinator

AFCC, Certified Credit Counsellor, Bankruptcy Insolvency Counsellor

Resolve Counselling Services of Canada

The post What is the difference between a Financial Advisor and a Financial Planner? appeared first on Resolve Counseling Services Canada.

Sexual Assault Centre Kingston (SAC Kingston)
Accepting new intakes of all survivors, regardless of gender 12+. Distance counselling accessed via telephone or online.
24/7 Crisis & Support Line available 1-877-544-6424 | Please contact us at sack@sackingston.com or 613-545-0762

Resolve Counselling Services
Phone & video counselling; offering counselling to individuals, couples & families
Please call 613-549-7850

Kingston Interval House (KIH)
Emergency shelter, 24-hour crisis line, second stage housing & counselling for women, children & youth experiencing violence
Please call 24/7 Crisis Line (613) 546-1777 or 1-800-267-9445

Maltby Centre
Free counselling & therapy over the phone & using video chat for children, parents, and youth
Please call 613-546-8535

The Kingston Anti-Violence Advisory Council (KAVAC)
Volunteer organization improving services for victims & survivors of sexual violence & partner abuse
Please email kavac.dreddick@gmail.com

Kingston Health Sciences Centre Sexual Assault/Domestic Violence Unit
The SA/DV team is available 24/7 at the Emergency Departments at KGH and LACGH-Napanee
Please call 613-549-6666, press 0 and ask for the SADV Nurse On-Call or contact the Provincial Navigation Line at 1-855-NAV-SADV [628-7238]

Victims Services of Kingston and Frontenac
Open with no changes to services;  24/7 support & assistance
Please call 613-548-4834 or email info@victimserviceskingston.ca

Family & Children’s Services of Frontenac, Lennox & Addington (FACSFLA)
Services available to help families & young people during this difficult time
Please call 613-545-3227 or toll-free 1-855-445-3227

Victim/Witness Assistance Program (V/WAP)
Services provided to vulnerable victims & witnesses of violent crime; Services start when charges are laid to when court case is over
Please call 613-545-2455

Kingston Military Family Resource Centre (KMFRC)
A registered non-profit organization that supports & enhances the health & well-being of the military community
Please call 613-541-5010 ext 5195

OUR AGENCIES ARE OPEN & OFFERING SERVICES FOR ALL SURVIVORS OF RECENT AND/OR HISTORIC
SEXUAL ASSAULT OR DOMESTIC VIOLENCE IN KFL&A
WWW.KFACC.ORG

PDF: YES WE’RE OPEN

The post Yes We’re Open appeared first on Resolve Counseling Services Canada.

As we continue to face the COVID-19 health crisis, we are also facing a critical mental health crisis. Join us for this year’s Virtual Walk & Run fundraiser event in support of local mental health programs and services.

WHAT:  Annual Defeat Depression Campaign:  Kingston & Area Virtual Walk & Run

WHEN:  Saturday, May 29, 2021

How to Get Involved:

• Go to: Kingston.defeatdepression.ca
• Register as an individual/team OR sponsor an existing participant or team
• Share your registration or support for a team with your contacts by social media
• Ask friends/family/colleagues to sponsor you (or the participant/team you choose to support) for the Virtual Walk & Run on May 29, 2021!

Resolve Counselling Services Canada is a proud partner of the Mood Disorders Society of Canada— Defeat Depression Campaign.

Defeat Depression registration info & fundraising Kit

DD_ParticipationInfo_16Apr2021
Defeat_Depression_Fundraising_tool_kit
Kingston_2021_DD_Poster

The post Kingston Defeat Depression 2021 appeared first on Resolve Counseling Services Canada.

PDF version:

may 2021_WomensPoster

Women-Supporting-Women VIRTUAL Drop-In Group – May

The post Women-Supporting-Women VIRTUAL Drop-In Group – May appeared first on Resolve Counseling Services Canada.

 Free, confidential, and supportive drop-in groups for women who have, or currently are, experiencing abusive or unhealthy relationships.

Participants will need to contact our intake worker to register the first time they attend.

Please call: 613-549-1180 to register no later than the Friday prior to the group.

When:  Every 2^nd and 4^th Tuesday of the month from 10:00-11:30 a.m.

Resolve Counselling Services Canada

417 Bagot Street, Kingston, Ontario, K7K 3C1

COST:  FREE

April 2021 Topics:

Tuesday, April 13, 2021 – Sense of Self and Boundaries

Tuesday, April 27, 2021 – Healthy vs Unhealthy Relationships

For More Information:
Call: (613) 549-7850
Visit s Online: www.resolvecounselling.org

PDF version

The post Women-Supporting-Women VIRTUAL Drop-In Group appeared first on Resolve Counseling Services Canada.

Discover the various resources Mental Health Matters Guide offers, including general information on mental health, relevant articles and regional mental health services.

Please note that we are not a crisis or emergency service. If you are in need of immediate assistance, please call 211 or log on to www.211ontario.ca to access resources in your local area.

Link to https://7c1e077b.flowpaper.com/KingstonMentalHealth7132/#page=1

The post Mental Health Matters appeared first on Resolve Counseling Services Canada.

You can take part in this study if you are over the age of 16 and have visited the KGH emergency room or HDH urgent care centre in the last 12 months.

The survey takes 15-20 minutes to complete. You will be asked to tell a story about a time you visited the emergency department in the last 12 months. Then, you will answer questions about this story. The experiences you share can be good or bad. Participants will get a $5 coffee card after finishing the survey.

The survey can be completed by using this link:

If you have any questions, please feel free to contact a research assistant at 613-549-6666 ext. 7776 from 8am to 8pm, Monday through Friday.

The post The RECONNECT Study appeared first on Resolve Counseling Services Canada.

Virtual Events – Take Action Now:

1. Choose a Virtual Event Activity
2. Register HERE
3. Fundraise
4. Challenge – 2 friends, family members, co-workers
5.  Share  – #DefeatDepression

More Details About the Defeat Depression Virtual Events

The Defeat Depression campaign is a national fundraising campaign provided by the Mood Disorders Society of Canada (MDSC) in partnerships with many mental health organizations and services nationally. The campaign consists of walks, runs and other events which allow individuals and organizations to raise funds in support of mental health organizations and programs. The campaign has grown into a national social movement bringing much-needed funds to support mental health services nation-wide and helps raise awareness of mental health.

This year, due to COVID-19, instead of our usual walks and runs with thousands of attendees, we are holding Virtual Defeat Depression events.  This means that participants can choose a physical activity to complete on their own between now and May 30, 2020 allowing for physical distancing.  For example, they could choose to walk around their block, run on a treadmill, ride a bike or take a stroll on a trail – allowing participants to safely still take part in the campaign while raising funds that support their local mental health services.  These funds are so desperately needed this year as Canadians are now facing event greater mental health issues associated with the stress and anxiety brought on by COVID-19.  Please find more information here:  www.defeatdepression.ca

On May 30, 2020, Defeat Depression Day, we will be hosting a national Defeat Depression live streaming broadcast.  This two-hour event will feature presentations on mental health, feature various organization profiles and their efforts, special guest presenters, Lived Experience testimonials, and special performers and music. The event will start at 11:00 am eastern and will be accessible online for everyone to join. We are coordinating these presentations through a combination of pre-recorded videos as well as live presentations.  More details to come on this!

The post Canada Is Facing A Mental Health Crisis appeared first on Resolve Counseling Services Canada.

Due to the current environment, our office locations are closed to the public but our continued service to you during this challenging time is of the utmost importance to us.  Our counselling services remain available by phone.

For general agency inquiries and new client intake requests for all programs except Credit Counselling and EAP, please contact:

Phone: (613) 549-7850
Email:  info@resolvecounselling.org

For Credit Counselling please contact:

Phone: (800) 379-5556
Email:  ccsadmin@resolvecounselling.org

For Family Services Employee Assistance Program (FSEAP) please contact:
Phone: (613) 549-5561

We will endeavour to respond to your voice or email message as quickly as possible.  Take care and thank you for your patience and understanding.

COVID-19 Resources

Health & Mental Health
Financial Relief
Banks & Mtg Lenders

Health & Mental Health

For updates and status of the virus, you can visit:

• KFL&A Public Health
• Public Health Ontario
• Public Health Agency of Canada
• Ontario Ministry of Health and Long-term Care

Other Helpful resources

• Coronavirus Disease (COVID-19): How to self-monitor
• Coronavirus Disease (COVID-19): Self-isolation: Guide for caregivers, household members and close contacts
• Kingstonist’s COVID-19 Quick Reference Guide
• Ontario’s Action Plan: Responding to COVID‑19
• Ontario Agency for Health Protection and Promotion
  Public Health
  811 in Quebec
  1-866-797-0000 in Ontario
• Global Pandemic Information: World Health Organization
• Centres for Disease Control and Prevention: Centre for Disease Control (CDC)
• COVID-19 Information and Risk Management :Public Health Agency of Canada
• Helpful resources through CAMH: The Centre for Addiction and Mental Health (CAMH)
• 24/7 Distress Centre
  Ottawa Public Health 613-238-3311
• One-on-One Video Consult with Licensed Doctors (Free)
  Telus response to COVID-19 with free resources
  Telus Health Babylon app 
• Taking Care of your mental Health Shopppers Drug Mart (Free Resources)
• COVID-19 WILLS PROGRAM
  Frontenac Law Association “Pay What You Can Afford” Wills Program

Financial Relief

Income Support Government of Canada (federal programs)
Mortgage Default Tools
Taxpayers’ Flexibility
Role of Financial Institutions

General support for individuals
Increasing the Canada Child Benefit this year
Extra time to file income taxes
Mortgage support
https://www.canada.ca/en/department-finance/economic-response-plan.html

Support for people facing unemployment
Improved access to Employment Insurance
The new Emergency Support Benefit

Support for people sick or quarantined
Improved access to Employment Insurance Sickness Benefit
The new Emergency Care Benefit

Support for people unable to work
The new Emergency Care Benefit

Support for people with low and modest income
Increased goods and services tax credit this year
Enhancing the Reaching Home initiative
Support women’s shelters and sexual assault centers
A new Indigenous Community Support Fund

Support for seniors
Eased the rules for Registered
Retirement Income Funds

Support for students and recent graduates
A moratorium on the repayment of Canada Student Loans

Employment Insurance
www.cbc.ca/news/canada/apply-emergency-benefits-1.5501977

General Information
Government of Canada 1-833-784-4397 Canada.ca/coronovirus
Property Tax Deferral Program City of Ottawa
Farm Grant Program/Tax Relief City of Ottawa
Water Service Disconnect Suspensions City of Ottawa

Banks & Mtg Lenders

General Inquiries (not designated to COVID-19)
Scotia Bank – 1-800-472-6842
TD Bank 1-866-222-3456
Bank of Montreal 1-877-895-3278
CIBC 1-800-465-2422
Royal Bank 1-800-769-2511
First National 1-888-488-0794
Manulife 1-877-765-2265
MCAP 1-800-265-2624
RMG 1-866-809-5800
Equitable Bank 1-888-334-3313
CMLS  1-888-995-2657
B2B 1-800-263-8349
Home Trust 1-855-270-3630
Street Capital (RFA) 1-866-683-8090

Financial Relief

TD BANK
1-888-720-0075
Locations Open/Opening Hours www.td.com/covid19

ROYAL BANK (RBC)
rbc.com/covid-19

Scotia Bank 
Latest Updates
COVID-19 FAQs

Bank of Montreal 
COVID-19 updates
Financial relief

Tangerine
https://www.tangerine.ca/en/notice

CIBC 
CIBC’s Response to COVID-19
Financial Relief FAQ

Royal Bank
COVID-19 Financial Relief

First National
COVID-19 information for residential customers & commercial borrowers

Manulife 
Update on COVID-19

MCAP
https://www.mcap.com/

RMG 
https://www.rmgmortgages.ca/covid-19

Equitable Bank 
https://www.equitablebank.ca/covid-19

CMLS  
https://www.cmls.ca/covid-19/march-24

B2B 
https://b2bbank.com/covid19

Home Trust
FAQs
Payment relief request form
Read statement

Street Capital (RFA)
COVID-19 RELIEF REQUEST

The post COVID-19 Updates appeared first on Resolve Counseling Services Canada.

The award recognizes those who help improve the lives of families in Frontenac, Lennox and Addington. The full article can be found here.

The post Youth Counsellor Brian Howell wins 2020 Family Advocacy Award appeared first on Resolve Counseling Services Canada.

As a precaution, if a person must attend the office, they will be screened for flu-like symptoms upon entering our shared space.

• Do you have a cough?
• Are you having difficulty breathing?
• Do you have a fever?
• Have you been out of the country or in contact with a person who has been out of the country in the last month?

The post COVID-19 Update: A message from Resolve Counselling Services Canada appeared first on Resolve Counseling Services Canada.