Financial planning and advice lead many people to identify opportunities and risks in their lives. They find this world of financial services complex and unfamiliar. They need a trusted guide to find the best solutions. Often solutions present themselves after some basic fact-finding and analysis. Then it is time to make decisions, to commit to a plan that will help accomplish goals and realize dreams. Consultation Financial is in the business of working with clients, to help them discover new pathways to financial success. Solutions frequently involve the use of financial tools such as insurance to manage risk, and secure investment vehicles such as segregated funds. For families a registered educational savings plan (RESP) makes good sense, especially considering the Government of Canada's Centennial Education Savings Grant (CESG) of 20% of contributions.