Nina Asusa, Broker

Nina's journey in real estate began in the early 1990's where her passion for real-estate quickly grew from an investor and home renovator, to where she is today. In 2006*, Nina launched her full-time real estate career and quickly found herself helping her clients, who many became friends, achieve not just any lifestyle, but the lifestyle they wanted for themselves. Her model was and always will be ''Don't follow someone else's story; create your own story, create your own lifestyle, because 'home is where your story begins.'''  From a single realtor, to developing a strong team of realtors she personally mentored and later owning a real estate brokerage firm, Nina's focus remained the same. She continues to channel her high energy and extensive experience into understanding her client's needs and wants, and in helping them in their real estate journey. Nina's greatest honour is the trust others grant her when welcoming her in their life's journey.

Life Stages & Goals

By: Scott Penney, PFP | IPC

Life Stages & Goals



Life happens, whether you expect it or not. Life events occur planned or unplanned and will impact your financial plans. You should expect your financial goals to vary as you go through different stages of life. Your financial goals established when you get your first job, may change if you buy your first home or plan to start a family.  Furthermore, the goals at your peak earning years will likely change dramatically when you decide to retire or even slow down a bit
To guide you and your family in future planning, here are some financial priorities and considerations tied to commonly shared life stages and goals.  Remember, everyone is different and, as such, it is important to have a financial plan that suits your needs along the way.

Stages of life Financial priorities & considerations
Post-secondary and early career years: You may be going to college or university, starting a career, and maybe finding a life partner. Spending is often greater than income.
  • Pay for post-secondary education
  • Buy consumer items (car, home furnishings)
  • Open a TFSA and establish an emergency fund
  • Start a Registered Retirement Savings Plan (RRSP)
  • Pay off debt
  • Build a good credit history
Career-building years and starting a family:You may begin changing jobs to enhance your career. Your income usually rises during these years. You may also start a family and find you need to save for their education.
  • Buy a house or condo
  • Prepare a will
  • Start or contribute to a Registered Retirement Savings Plan (RRSP) & TFSA
  • Invest Inheritance
  • Open RESPs for children
The kids’ post-secondary and marriage years: If you have children, you may help pay for their education and their weddings.
  • Continue to pay off the mortgage
  • Pay down debts
  • Reduce taxes during peak earning years (Spousal RRSP)
  • Boost retirement savings (RRSP/ TFSA)
  • Use RESP to fund children’s education
  • Plan your retirement lifestyle and revenue streams
The pre-retirement years: Your expenses may start to go down, and savings can start to build. Children may have left home by this stage.
Early retirement years: You may work less, and your health may still be good enough to support an active lifestyle, perhaps with travel, volunteer work, or some part-time work.
  • Manage your savings so they’ll last through retirement
  • Turn your retirement savings and pension into an income
  • Downsize your home
  • Make final changes to your will and estate
  • Convert RRSP to RRIFs at age 71
Later retirement years: You may become less mobile and need to take care of health problems.


Over time, your financial goals will change and be influenced by life events and various milestones.
As these changes occur, you should be continuously reviewing your financial plan to ensure you are on track to reaching both your short-term and long-term financial goals.  As your Advisor, I am here to support you by proactively building and managing your financial plans.  A solid financial plan will help you and your family prepare for and navigate through life events and bring you closer to your life goals.
Click here if you would be interested in booking an appointment with a financial advisor regarding financial planning or other estate plans you are considering.
This article was originally published in November 2018 at supplied by Scott Penney, PFP® and Wealth Advisor with Investment Planning Counsel of Canada.