{"id":8015,"date":"2026-02-24T19:57:17","date_gmt":"2026-02-24T19:57:17","guid":{"rendered":"https:\/\/advisorunlimited.ca\/?p=8015"},"modified":"2026-02-24T20:20:36","modified_gmt":"2026-02-24T20:20:36","slug":"wealth-building-tool","status":"publish","type":"post","link":"https:\/\/advisorunlimited.ca\/fr\/wealth-building-tool\/","title":{"rendered":"EN OUTIL DE CREATION DE RICHESSE"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"8015\" class=\"elementor elementor-8015\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e703572 e-con-full e-flex e-con e-parent\" data-id=\"e703572\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-edfbcda elementor-widget elementor-widget-image\" data-id=\"edfbcda\" data-element_type=\"widget\" data-e-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\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"143\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-1024x143.png\" class=\"attachment-large size-large wp-image-7851\" alt=\"AU_LOGO_NEW_2025\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-1024x143.png 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-300x42.png 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-768x107.png 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-1536x215.png 1536w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-2048x286.png 2048w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/01\/AU_LOGO_NEW_2025-18x3.png 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-c46d56f e-con-full e-flex e-con e-parent\" data-id=\"c46d56f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f1fa54e e-con-full e-flex e-con e-child\" data-id=\"f1fa54e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dce8287 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"dce8287\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/advisorunlimited.ca\/fr\/winter-2025\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LIRE LE DERNIER NUM\u00c9RO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afe1a90 e-con-full e-flex e-con e-child\" data-id=\"afe1a90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b383526 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b383526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/advisorunlimited.ca\/fr\/home\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">DOSSIER DE PRESSE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d6e368 e-con-full e-flex e-con e-child\" data-id=\"8d6e368\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acada27 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"acada27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/smithman.ca\/certification\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VISITE SMITH MANOEUVRE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e85aa38 e-con-full e-flex e-con e-child\" data-id=\"e85aa38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5d8bbf elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c5d8bbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.cifp.ca\/WebPage.aspx?ID=551\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VISITE CIFP<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-1da935f e-con-full e-flex e-con e-parent\" data-id=\"1da935f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b964a90 elementor-widget elementor-widget-text-editor\" data-id=\"b964a90\" data-element_type=\"widget\" data-e-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\t\t<p class=\"elementor-heading-title elementor-size-default\" style=\"text-align: center;\"><strong>Transformer votre plus grande dette<\/strong><\/p><p style=\"text-align: center;\"><span style=\"color: #005969;\">EN OUTIL DE CREATION DE RICHESSE<\/span><\/p><p style=\"text-align: center;\">La strat\u00e9gie Smith r\u00e9duit l\u2019imp\u00f4t et rembourse plus vite<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e24833 e-con-full e-flex e-con e-parent\" data-id=\"5e24833\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7a1a354 e-con-full e-flex e-con e-child\" data-id=\"7a1a354\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1130abd elementor-widget elementor-widget-image\" data-id=\"1130abd\" data-element_type=\"widget\" data-e-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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smithman.ca\/certification\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/elementor\/thumbs\/2021-02-BK-PhotoMOB-165HighDB-rajn3ipl69pqzi1596flosemyuqdul87udrjzc6y4q.jpeg\" title=\"Robinson Smith\" alt=\"Robinson Smith\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Robinson Smith\nSmith Manoeuvre<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a38a6 elementor-widget elementor-widget-image\" data-id=\"33a38a6\" data-element_type=\"widget\" data-e-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\t\t\t<a href=\"https:\/\/smithman.ca\/certification\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/elementor\/thumbs\/tmpyo66wszh-rjn44xzp88qvb5h1nrau2k3tqaez5bceu7826u1eja.png\" title=\"tmpyo66wszh\" alt=\"tmpyo66wszh\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-4534fb9 e-con-full e-flex e-con e-child\" data-id=\"4534fb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be92361 elementor-widget elementor-widget-text-editor\" data-id=\"be92361\" data-element_type=\"widget\" data-e-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\t\t<p>Un levier strat\u00e9gique face \u00e0 la crise de l\u2019accession \u00e0 la propri\u00e9t\u00e9 Alors que l\u2019abordabilit\u00e9 du logement atteint des niveaux records \u00e0 travers le pays, une strat\u00e9gie hypoth\u00e9caire devient un \u00e9l\u00e9ment essentiel pour aider les Canadiens \u00e0 rembourser leur plus grosse d\u00e9pense tout en pr\u00e9parant leur retraite.<\/p><p>La grande majorit\u00e9 des propri\u00e9taires adoptent une approche s\u00e9quentielle de leurs finances : ils remboursent leur hypoth\u00e8que avant d\u2019\u00e9pargner pour l\u2019avenir, faute de ressources suffisantes pour faire les deux.<\/p><p>Une strat\u00e9gie pr\u00e9visible, selon Robinson Smith, pr\u00e9sident et PDG de Smith Manoeuvre Services Corp.<\/p>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-f17b2c5 e-flex e-con-boxed e-con e-parent\" data-id=\"f17b2c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7c7b0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1e7c7b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/advisorunlimited.ca\/fr\/#flipbook-volume-4-issue-1\/22\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cliquez ici pour lire l'article complet...<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffb7a43 e-flex e-con-boxed e-con e-parent\" data-id=\"ffb7a43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b35fbd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2b35fbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05fd0b1 e-con-full e-flex e-con e-parent\" data-id=\"05fd0b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39ed166 elementor-widget elementor-widget-text-editor\" data-id=\"39ed166\" data-element_type=\"widget\" data-e-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\t\t<p style=\"text-align: center;\"><span style=\"color: #005969;\">Pr\u00e9parez-vous \u00e0 perfectionner vos comp\u00e9tences<\/span><\/p><p style=\"text-align: center;\">L\u2019Institut rappelle : un conseiller vaut sa formation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dfa9a79 e-con-full e-flex e-con e-parent\" data-id=\"dfa9a79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f0d30de e-con-full e-flex e-con e-child\" data-id=\"f0d30de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e2b9d5 elementor-widget elementor-widget-text-editor\" data-id=\"9e2b9d5\" data-element_type=\"widget\" data-e-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\t\t<p>Le pr\u00e9sident-directeur g\u00e9n\u00e9ral de l\u2019Institut canadien de planification financi\u00e8re (CIFP) est convaincu que d\u2019autres provinces embo\u00eeteront bient\u00f4t le pas \u00e0 l\u2019Ontario en mettant en place une surveillance r\u00e9glementaire accrue pour les personnes souhaitant porter le titre de planificateur financier ou de conseiller financier.<\/p><p>&#8220;La prochaine province sur la liste est le Nouveau-Brunswick. La Saskatchewan est d\u00e9j\u00e0 bien avanc\u00e9e, et le Manitoba y travaille aussi. Nous anticipons que, d\u2019ici quelques ann\u00e9es, il y aura une approche harmonis\u00e9e dans l\u2019ensemble des provinces anglophones&#8221;, explique Keith Costello, en pr\u00e9cisant que le Qu\u00e9bec poss\u00e8de d\u00e9j\u00e0 son propre syst\u00e8me.<\/p><p>&#8220;Cela s\u2019en vient dans votre r\u00e9gion. Vous feriez mieux de vous pr\u00e9parer \u00e0 perfectionner vos comp\u00e9tences.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d1261f3 e-con-full e-flex e-con e-child\" data-id=\"d1261f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b95cdeb elementor-widget elementor-widget-image\" data-id=\"b95cdeb\" data-element_type=\"widget\" data-e-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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cifp.ca\/WebPage.aspx?ID=551\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"977\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-1024x977.jpg\" class=\"attachment-large size-large wp-image-8026\" alt=\"\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-1024x977.jpg 1024w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-300x286.jpg 300w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-768x733.jpg 768w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-1536x1465.jpg 1536w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-2048x1953.jpg 2048w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/AU_WINTER_2025_HR_Page_55_Image_0001-13x12.jpg 13w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6b4d4b elementor-widget elementor-widget-image\" data-id=\"e6b4d4b\" data-element_type=\"widget\" data-e-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\t\t\t<a href=\"https:\/\/www.cifp.ca\/WebPage.aspx?ID=551\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"180\" height=\"100\" src=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/logo-CIFP.png\" class=\"attachment-large size-large wp-image-8022\" alt=\"\" srcset=\"https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/logo-CIFP.png 180w, https:\/\/advisorunlimited.ca\/wp-content\/uploads\/2026\/02\/logo-CIFP-18x10.png 18w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\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<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bbb722 e-flex e-con-boxed e-con e-parent\" data-id=\"3bbb722\" 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