What to expect when you work with Plume Financial.

Who we are

Plume Financial Services Inc. is a Fredericton practice built on long-term relationships. For more than 15 years, Michael Plume has helped families, retirees and business owners plan, protect and grow their money.

• 15+ years helping clients plan, protect and grow their money.
• 25 years running a lumber business before that, so I know business owners.
• 2 provinces: licensed in New Brunswick and Nova Scotia.

Michael Plume, BSc (University of New Brunswick, 1986). In Fredericton for about 40 years.

How we work together

Get to know you

A conversation about your family, your goals and what keeps you up at night.

Build your plan

A complete financial plan that shows where you are today and how to get where you want to go.

Keep it on track

Regular reviews, active portfolio management and quick answers when life changes.

What we help with

1. Investing and retirement. RRSP, TFSA, RRIF, LIRA, LIF and non-registered savings, including segregated funds.
2. Insurance. Life, critical illness, disability, and health and dental coverage.
3. Family and estate. RESP, RDSP and FHSA plans, and estate planning for the next generation.

One relationship, the whole picture. Your investments, insurance and estate plan work together, because the same person is looking after all of them.

Our promises to you

• Accessible: Evenings and weekends. Life doesn’t keep office hours, and neither do I.
• Clear: Plain language. No jargon. You’ll always know what you own and why.
• Proactive: I reach out. Regular reviews and updates, not just when something is due.
• Local: Fredericton-based. Here for about 40 years, and originally from Stanley, NB.

Learning together

Good decisions come from understanding, so we make it easy to keep learning.

• Ask the Advisor. Monthly events where you can bring your questions about money, markets and planning.
• Regular updates. Emails every couple of weeks with market news and planning ideas.
• Guides like this one. Plain-language guides on RRSPs, RESPs, insurance, estates and more.

Bring your family. You’re welcome to bring your spouse, adult children, accountant or lawyer to our meetings.

Preparing for our first meeting

• Recent investment and pension statements.
• Your insurance policies, personal and through work.
• Your latest tax return or notice of assessment.
• A list of debts, including your mortgage.
• Your goals: retirement, education, travel, legacy.
• Any questions you’d like answered.

Who we work with

Most of our clients are families, retirees and business owners across New Brunswick and Nova Scotia.

• Families: Saving for education and a first home, and protecting their income.
• Retirees and owners: Turning savings into reliable income, and planning the estate.

What happens next

1. Book a no-obligation conversation.
2. Meet in person, by phone or online.
3. Receive your plan and clear recommendations.
4. Review your plan together regularly.

Our reputation matters. Many of our clients come to us through referrals and our Google reviews. We work hard to earn every one.

Let’s start the conversation

Whether you have one question or want a complete plan, I’d be glad to help.

Book a conversation with Michael, or call the office at 506-406-6100 (cell 506-440-6196). Email: [email protected]. Ask for a printed copy of this brochure at your next meeting.

For general information only; not tax or legal advice. Michael Plume is licensed to offer life and health insurance and segregated fund products in New Brunswick and Nova Scotia.