• Le téléphone est en mode avion.
• La lampe de poche de l’appareil est allumée
• L’écran est éteinte
• L’appareil photo est allumé (mode sans contact)

• IPhone: en cliquant sur Ajouter aux contacts vous consultez la fiche de contact, par la suite au bas de la fiche vous ajouté un nouveau contact.
• Android: en cliquant sur Ajouter aux contacts vous télécharger la fiche VCF qui s’ajoute à votre liste de contacts.

Time horizon refers to the amount of time a person has to save for a particular event. For example, the time horizon for a college savings account might be 10 years for the parents of an eight-year old child, but 15 years for the parents of a three-year old. Likewise, the time horizon for a 30-year old saving for retirement might be 35 years, whereas it might be 15 years for a 60-year old who started saving late in life.

Financial planners are paid on either a commission or fee basis, or sometimes a combination of the two. Commissions are usually one-time charges based on each product sold or for each transaction. Fees can be based on the percentage of assets under management, an hourly rate, or even a flat fee.

While your financial planner may make a different recommendation based on your particular circumstances, it’s a good idea to see him or her once a year. You should also consider making an appointment in anticipation of life-changing events such as marriage, the birth of a child, divorce, or after inheriting a large amount of money.