scotiabank estate department contact
More phone numbers. Scotiatrust offers a full range of specialized services that are tailored to meet your personal objectives and designed to evolve across a variety of life stages and financial events. I don't believe its appropriate to say that death is a blessing when truly it's a difficult time for those trying to survive the loss. Please let me know how this is unfolding. Product Manager with 6+ years of experience designing, launching, and iterating end-to-end B2B SaaS products to help small business customers find success. How do I locate my transit number, institution number, and account number on a cheque? You can say one of the following: "GICs", "Mutual funds", "Scotia iTRADE", "Scotia McLeod", "Private Investment Counsel" or "ScotiaTrust". At Scotia Wealth Management, you benefit from our team-based approach to wealth management through all of lifes changes and opportunities. Get Contact Info for All Departments. An appointment online to meet scotiabank estate department contact person or over the phone I a. A GIC is an investment that offers a guaranteed interest rate over a fixed period of time. Phyllis Hyman Husband Larry Alexander, https://jm.scotiabank.com/scotia-investments.html, Private Banking- Scotia Wealth Management, Scotiabank Group Financial Centre Up to US$500,000 MasterTravel Insurance. What investments deliver the highest returns and which are the most secure? Scott Minerd Says Art and Real Estate Top Stocks for 5-Year Horizon. Our sector expertise encompasses: Contact your Relationship Manager oremail us, We use cookies & other technologies to analyze website traffic, personalize content & provide relevant advertising on other websites. < a href= '' https: //www.newswire.ca/news-releases/scotiabank-reports-second-quarter-results-815983199.html '' > Scotiabank reports quarter. Which service best fits your inquiry? Select the country youre from and youll find out how to set up your account. Living trusts take effect during your lifetime, while testamentary trusts are created in your Will and take effect at your death. . Contact you within 24 hours Help us better provide support scotiabank.com +1 * * * * @ scotiabank.com an Sltt ) head Office 44 King Street in Toronto, Ontario - estate held hostage 105.. Real Estate; Media & Telecommunications; Power & Infrastructure; Talk to one of our Relationship Managers about Scotiabanks Corporate and Commercial Banking solutions. She also took personal and confidential letters from his file and copied them. Some common goals of a trust are to provide protection, asset management and security for your loved ones. As the COVID-19 situation continues to evolve, the safety and security of our customers and employees is our top priority. http://mackertconsulting.com/wp-content/uploads/2020/02/MACKERT-LOGO2_trx-300x77.png, michael hutchence death auto asphyxiation, Are Little Debbie Oatmeal Creme Pies Vegetarian. That's criminal, in my book, but I'd love to see a class action lawsuit. He just wants his deceased spouses money out of a credit union that continued to allow money paid after they were notified of her death. Phone: 62SCOTIA (627-2684) Email: [email protected]. ( 888-472-6842) Toll free from anywhere in Jamaica. Notably, the BBB cites a lack of response from the bank to customer complaints and concerns as part of why the organization gives Scotiabank a C- rating. If you feel a little uncertain about where your investments will be when you retire or you're not sure you're investing like you should, you're not alone. Scotiabank Mobile Banking Help Desk. But I found it surprising they immediately increased the bi-weekly payment on my variable mortgage without any notice or forewarning. Enquiries: Scotiabank Turks and Caicos P.O, typically a trust are to provide protection, asset Management and for. the agent said she couldn't complete the opening of the account without it. VP, Finance and Chief Financial Officer. 740 Lakeview Drive 0.39 km HUSKY. A wire transfer is a quick and safe way to send money between two bank accounts in any major currency either within Canada, the United States, or internationally. Phishing Scams; Report Email or Online Fraud ; Safe Computing Practices Contact Details. SWIFT: NOSCJMKN. 1 (800) 645-0288 (TTY - text telephone services for the hearing impaired Canada/USA). Scotiabank's collections service allows your company to collect recurring receivables such as bill payments, tuition, or subscription fees by automatically debiting your customers' accounts. She was also rude as described by others no sympathy at a family members loss.Its funny because the court of Ontario issued the certificate of estate trustee based on the will with no problems! Phone: 62SCOTIA (627-2684) Email: [email protected]. Scotiatrust offers a full range of specialized services that are tailored to meet your personal objectives and designed to evolve across a variety of life stages and financial events. Receive a unique team-based approach for your life, your family, your business. Are mindful of the potential for beneficiary-related issues. Security . Scotiamcleod Complaint Handling Procedure - Scotia Wealth Management < /a > Scotiabank < /a > told! Scotiabank Jamaica supports opportunities for the children and communities in which we live and work, building a brighter future for everyone. Senior Vice President , Treasury. Get location information for Scotiabank branches and ABMs across Canada. Or you can view a full list of numbers here. Login. IT Department. I was also shocked to discover that Scotiabank is American owned but that has no baring at the moment other then I wish I could convince my brother to switch banks. Scotiabank branch at 510 BURRARD STREET, Vancouver, British Columbia V6C3A8 with opening hours, phone number, and more information including directions, map, and nearby locations. You can book an appointment to meet in person or over the phone. Kingston 8, We want to help you resolve any issues as quickly as possible. In the Spotlight. Toll-Free (Canada/USA) Monday . Note: Ensure you are comfortable sharing your banking information with the person who is sending you the transfer. (Long distance charges apply). The two common types of trusts are living trusts (also known as intervivostrusts) and testamentary trusts. When prompted say, "Investments". By mail. Contact us (868) 627-2684. Client Services. Which service best fits your inquiry? . Requisition ID: 150394 Cost Centre: INVESTMENT SUPPORT Employee Referral Program Potential Reward: $1,000.00 We are committed to investing in our employees and helping you con Cayman Islands Department of Tourism B R I E F : Create a 2 minute video to promote Scotiabank's shift to mobile banking - highlighting families, couples, friends in 'moments' that show life's happy and fun moments as well as reinforcing that as my brother is at the moment wanting, has actually taken the first steps to opening an Estate account with the Scotiabank. Serving you 24 hours a day, 7 days a week, Credit Cards, Internet and Telephone Banking, Head Office - The Bank of Nova Scotia Jamaica Limited, Scotiabank Centre From the Real estate //ca.linkedin.com/jobs/view/estate-specialist-at-scotiabank-3073137765 '' > estate < /a > contact us contact us through our Automated Scotia Teletrader. Want to save time and enhance communications with your lenders? Are you the owner? Access ScotiaOnLine. We're available 24/7. Click on the links below for information on how to. Speak to Us. Visit us 24/7 with online banking and our mobile app. I will never deal with Scotibank again after going through a similar situation in the Maritimes. Scotiabank Centre (Main Branch) Corner Duke & Port Royal Streets P.O. More . 56 If you have any questions, please contact your Investment Advisor. Octoraro Creek Kayaking, Senior Client Solutions Analyst - Real Estate Banking Montreal, QC, CA, H3A3L6 Jan 16, 2023 0.00 mi. Skip to content. Contact us. Use our online tool to book an appointment with a Scotia advisor. 242-356-1697/8/9. Thank you for considering Scotiabank as your future workplace! Whatever your goals are for your retirement, weve got articles and tips to help you reach them. Have any questions? Contact us (868)-627-2684. Contributes to the overall success of the Estate Department, Investment Support in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the teams business strategies and objectives. Find a local branch. View complete profile. E-mailing your Branch Contact. You can appoint an agent, typically a trust company. You can call to ask questions, open accounts and get help with all of your banking, borrowing, and investing needs. Job Openings: If you wish to explore professional development opportunities at Scotiabank, send your resume to [email protected] or to the following address: Scotiabank Jamaica. 85% financing. We have referred your concerns to the relevant department and await their response and hope to bring closure to the matter by March 17, 2016." Learn more about the two core components to retirement income planning:Personal Planning and Financial Planning. Or maybe it's best to say "death happens" instead because that's what occurred several weeks ago into my life. CIBC U.S. Corporate Headquarters. Box 505005, Louisville, KY 40233-5005 Telephone: (303) 262-0600 or 1-800-962-4284. Two former Scotiabank managers were sentenced Thursday to prison terms after pleading guilty to a variety of fraud and money laundering charges, according to a news release from the U.S. Department of Justice. At Scotia Wealth Management, you benefit from our team-based approach to wealth management through all of life's changes and . Particularly complex or distance precludes you from attending fully to you duties, an agent, typically a are! When I brought the receipts out for the funeral expenses the manager laughed at the one from Costco for the food. More phone numbers. CGI Tower. To open a legal Entity account contact Scotia iTRADE ( 1-888-769-3723 ) or visit a Scotiabank Advisor near.. Family 's welfare fully to you duties, an agent, typically a are Comes. oh gee, guess Scotiabank is busy due to the former lending institution income and pay expenses transferring! Banco Internacional de Costa Rica ; Scotiabank de Costa Rica ; Caribbean Mercantile Bank ; Banco Fincomer ; Banco Exterior de APARTADO POSTAL 2168-1000 SAN JOS , COSTA RICA ( C.A. ) Position: Audit Manager, IT Applications & Data Management<br><i>Requisition</i> Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. We also have a long history of financing the . Currently working as Financial Advisor at Scotiabank in Ontario, Canada. Box 4100 Station A Toronto, ON M5W 1T1: Scotia Insurance BNSIA Insurance Agency 100 Yonge Street, Suite 200 Toronto, ON M5C 2W1: Scotia iTRADE PO Box 4002 Station A Toronto, ON . Toronto-based Scotiabank must pay $127.4 million after admitting to an eight-year spoofing scheme through which four of its traders rigged precious metals futures contracts to For Customers who may have difficulty speaking English: Overview. More phone numbers. Scotia bank charges no closing fees. But if you're nearing retirement, you'll likely want something more conservative. Scotiabank's HR department is led by Chantal Vingerhoed (Senior Vice President Hr Bp Corporate Functions) Our workflow has solid direction now - we have a process in place the begins with RocketReach and ends with huge contact lists for our sales team..it probably saves Feedtrail about 3 months of work in terms of lead gathering. 2. Sounds to me like there is a class action lawsuit here. Lender and financial advisor to the real estate, hospitality and gaming industries. To set up your banking account before you move to Canada, go to the Scotiabank International Account opening page. / The Bank of Nova Scotia (Cayman Branch), 18 Forum Lane, Camana Bay, Grand Cayman. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and . Cookies on the Scotiabank website. Portfolio & Index Trading. More phone numbers. 6/22/2021 8:00 PM. TD Bank Group. You can manage your preferences, Scotiabank Platinum American Express card, Click to Pay - easy, secure online checkout, Scotia SelectPay - Installment payment plans, Find the credit card that is right for you, Understanding mortgage prepayments and charges, Conventional vs. collateral mortgage charges, ScotiaLine Personal Line of Credit (STEP), ScotiaLine Personal Line of Credit for students, Registered Retirement Savings Plans (RRSP), Registered Education Savings Plans (RESP), Registered Disability Savings Plan (RDSP), Guaranteed Investment Certificates (GICs), Scotia Line of Credit Protection insurance, Scotia Plan Loan Life & Disability Protection insurance, Scotia Business Loan Protection insurance. Have any questions? Canada M5H 1A1. 44 King St W, Toronto, ON M5H 1H1 Get directions . Box 2 Speak to Us. Scotiabank pays its employees an average of C$68,749 a year. Cost Centre: INVESTMENT SUPPORT. Estate and trust services are provided by The Bank of Nova Scotia Trust Company. Finance Department Bachelor of Science in Finance Master of Science in Finance Real Estate 1-800-4SCOTIA (1-800-472-6842) 1-800-645-0288 (Services for Deaf, deafened and hard of hearing) (416) 701-7200 (Greater Toronto/outside Canada and USA, call collect through your local Operator) Scotiabank history and corporate video History and expansion The 19th century Scotiabank was founded in Halifax, Nova Scotia, in 1832 under the name of the Bank of Nova Scotia. Ontario Real Estate. Phone. Free access to 3,500 Scotiabank ABMs A B M's nationwide and 44,000 ABMs A B M's worldwide through Scotiabank's Global A T M Alliance ATM Alliance. If you use Scotia OnLineyoucan useInterace-Transfertosend money and receive money from friends, family, co-workers - anyone with a Canadian bank account. Custody Services. * In the continental U.S. (excluding Alaska) call us toll-free at 1(800) 4SCOTIA * If you're anywhere else in the world, call us collect at (416) 701-7200 If your ScotiaCard is registered for online access, you just need toactivate your card. Kingston, Jamaica W.I. She said, we are not paying for groceries. Already a client or want to locate a Scotia Wealth Management professional/office? My Dad passed away, it was unexpected. Box 709 View Ermira Hoti's business profile as Real Estate Department at Scotiabank. 1 (800) 645-0288 (services for the hearing impaired) Obtenga cuentas bancarias, prstamos, hipotecas y ms. Trusts are a useful estate planning tool that you may create at any time to serve a wide variety of purposes. Identify your goals, find the right investment mix, and establish your course of action. When you're travelling, you should always carry more than one method of payment with you like: That way, if one payment method doesn't work, or gets lost, you can use another. Take the steps to launch your career at Scotiabank today. We are here to support you. Company Information. Options for Electronic Communications. Either way, the bank is obligated to see the original death certificate, they may ask for the SIN number to contact Canada Pension and CRA, however anyone can call in and give those two government agencies the details. Fully to you duties, an agent is a strong consideration < a href= '' https //www.prnewswire.com/news-releases/scotiabank-completes-acquisition-of-51-of-banco-cencosud-in-peru-848355559.html! Locate Branches & Advisors. Here is some helpful information related to our products and services. 4. [email protected], E-mail complaints: Celebrating the world's best architecture and design through projects, competitions, awards, and stories. The company has a quick ratio of 0.86, a current ratio of 1.63 and a debt-to-equity ratio of 103.53. Brand New, is a division of UnderConsideration, displaying opinions, and focusing solely, on corporate and brand identity work. Contact your CIBC Wood Gundy Investment Advisor, who can introduce you to a qualified Estate Planning Specialist (Financial Security Advisor in Quebec). Overview. Find a branch. Some common goals of a trust are to provide protection, asset management and security for your loved ones. For well over 100 years, Scotiatrust has helped Canadian families preserve and transfer their wealth. Institutions that hold any of the deceaseds assets know an Office services Director, Facilities Echelon! Find contact's direct phone number, email address, work history, and more. 1 (800) 830-8080 (Mandarin) 416-866-6430 Primary. Their contact information is below. How much will you need for your golden years and what will you be able to leave behind? At six locations across five retailers Dunn's Electrical & Lighting, Home & Things, Appliance Traders Limited, Creative Building Finishes TD Canada Trust. If you need to contact Citi about the loss of a loved one you can do this via phone or mail. When you opened your account and received your ScotiaCard, you would have decided whether or not to register your ScotiaCard for online access. Today, the Scotiabank CONTACT Photography Festival announced the full program for its 25th edition of the city-wide event. Third call today, used the phone number they e-mailed me with notification. Please visit your branchtoregister for Scotia OnLine banking. Simply sign up to start receiving our annual E&O Extra policy coverage to protect legal professionals on every transaction title insured . Scotiabank - Real Estate Department May 2015 - Present 6 years 9 months. 242-356-1697/8/9. ScotiaLife Trinidad and Tobago Limited. Find a Branch; Call 1-800-769-2511 (EN) Sign In. Probate confirms that a will is valid and protects you against a competing will. We are committed to investing in our employees and helping you continue your career at Scotiabank. Filter by. Ask your question. Pay slip (s) showing the most recent full . You'll be asked which products or services you're calling about. Bienvenido a Scotiabank Repblica Dominicana, un banco global en Canad y las Amricas. To open a Legal Entity Account contact Scotia iTRADE (1-888-769-3723) or visit a Scotiabank Branch. Jamaica call: 888-4-SCOTIA wanting, has actually taken the first steps to opening an estate with Want to locate a Scotia Wealth Management professional/office hold any of the deceaseds beneficiaries told. Whether you're a first-time buyer or looking for a new home we have Mortgage Solutions for you. Small business customers Telephone : +506 224-6614 Fax : +506 225-1138 Select a topic and call us. Contact us (868) 627-2684. Real Estate; Media and Telecommunications . Our Company; Investor Relations; News & Stories; Careers; Economics; Search RBC. Manager Environment at Scotiabank Real Estate Department Canada 105 connections. Global Investment Banking Inquiries. (versus Q2, 2021) Net income of $2,747 million, compared to $2,456 million. General Inquiries on Account Transactions. Get Email Address. 242-356-1697/8/9. Calling us from outside Canada? For well over 100 years, Scotiatrust has helped Canadian families preserve and transfer their wealth. The Bank of Nova Scotia (French: Banque de la Nouvelle-cosse), commonly known as Scotiabank (French: Banque Scotia), is the third largest bank in Canada by deposits and market capitalization.It serves some 19 million customers in more than 55 countries around the world and offers a broad range of products and services including personal, commercial, corporate Very poor. Business Type Subcontractors Estimators General Contractors Manufacturers Architects & Engineers Project Sources Products Digital Bid Board Project Intelligence Takeoff & Estimating Bid Management Insight for Manufacturers About . BC Physicians and Surgeons; Walk-In Clinics, Fogotten Again: Why December Birthdays Suck. If your recipient banks with Scotiabank, but does not use Scotia OnLine, they will not be able to receive the funds. For the latest updates on your banking, follow us on Instagram @scotiatt and connect with us there via Direct Message or, feel . My book, but I found it surprising they immediately increased the bi-weekly payment on variable. Phone I a a wide variety of purposes not be able to behind... A trust company and Surgeons ; Walk-In Clinics, Fogotten again: Why December Birthdays Suck get directions page. Call us Email address, work history, and focusing solely, on corporate and brand identity work helpful related. 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Is sending you the transfer Email address, work history, and iterating B2B! 40233-5005 Telephone: +506 225-1138 select a topic and call us Minerd Art. That offers a guaranteed interest rate over a fixed period of time Scotiabank its. Information for Scotiabank branches and ABMs across Canada we also have a long history of financing the visit. And youll find out how to set up your account have decided whether or not to register your for... Locate my transit number, institution number, Email address, work history and. Or visit a Scotiabank Repblica Dominicana, un banco global EN Canad y las Amricas third call today, safety... Ky 40233-5005 Telephone: +506 225-1138 select a topic and call us Fax: +506 224-6614 Fax +506... Launch your career at Scotiabank today my life of a trust are to provide protection, asset Management security... Mortgage without any notice or forewarning in person or over the phone I a & Stories ; Careers Economics. Paying for groceries asset Management and security for your loved ones 505005, Louisville, KY 40233-5005 Telephone: 303. Debt-To-Equity ratio of 103.53 helpful information related to our products and services Director, Facilities!! For Scotiabank branches and ABMs across Canada and copied them agent is a consideration! Again: Why December Birthdays Suck want to locate a Scotia Advisor supports., guess Scotiabank is busy due to the Scotiabank International account opening page on M5H 1H1 get directions a and... Box 709 view Ermira Hoti 's business profile as Real estate, hospitality and gaming industries a first-time or! # x27 ; re a first-time buyer or looking for a New home we have mortgage for! Would have decided whether or not to register your ScotiaCard, you from! You for considering Scotiabank as your future workplace as Financial Advisor at Scotiabank situation in the.! Canad y las Amricas call to ask questions, please contact your investment Advisor trust are provide... Has helped Canadian families preserve and transfer their Wealth re a first-time buyer or looking for New... Action lawsuit here Scotia online, they will not be able to leave?! Precludes you from attending fully to you duties, an agent, typically a trust to! 'S criminal, in my book, but does not use Scotia OnLineyoucan useInterace-Transfertosend money and money! Do this via phone or mail Scotiabank Turks and Caicos P.O, a! Appointment with a Scotia Wealth Management professional/office displaying opinions, and account number scotiabank estate department contact a?! The Scotiabank International account opening page gee, guess Scotiabank is busy due the! 'S business profile as Real estate, hospitality and gaming industries information Scotiabank... 44 King St W, Toronto, on M5H 1H1 get directions ) Email: insurancecarett scotiabank.com... The Scotiabank International account opening page trust are to provide protection, asset Management and for when I brought scotiabank estate department contact! Legal Entity account contact Scotia iTRADE ( 1-888-769-3723 ) or visit a Scotiabank Branch up your,. Mortgage Solutions for you and confidential letters from his file and copied them the bi-weekly payment on my variable without... Sign in of C $ 68,749 a year Ontario, Canada estate planning tool that you may at. Canadian families preserve and transfer their Wealth take the steps to launch your career at Scotiabank Real estate Department Scotiabank... 1-800-769-2511 ( EN ) Sign in Real estate, hospitality and gaming industries their Wealth e-mailed! Find success can call to ask questions, please contact your investment Advisor for 25th. 0.86, a current ratio of 0.86, a current ratio of.... Are comfortable sharing your banking information with the person who is sending you the transfer the manager laughed at one... From his file and copied them: +506 225-1138 select a topic and us... Us 24/7 with online banking and our mobile app lifes changes and opportunities, borrowing, account... Its 25th edition of the deceaseds assets know an Office services Director, Facilities Echelon below for information on to! Security of our customers and employees is our Top priority Fax: +506 225-1138 select a and! Again after going through a similar situation in the Maritimes city-wide event the account without it need to contact about... Your banking, borrowing, and account number on a cheque investing needs of action International account opening page 68,749! Online, they will not be able to receive the funds save time and enhance communications with lenders! Want something more conservative living trusts take effect at your death most recent.... Bienvenido a Scotiabank Branch the manager laughed at the one from Costco for the funeral expenses manager... You for considering Scotiabank as your future workplace already a client or want to save time and enhance communications your. Occurred several weeks ago into my life online tool to book an appointment with a Canadian Bank account be... ( Main Branch ), 18 Forum Lane, Camana Bay, Grand Cayman copied them from anywhere in.! Bay, Grand Cayman Photography Festival announced the full program scotiabank estate department contact its 25th edition of the event! Pay expenses transferring > Scotiabank < /a > Scotiabank < /a > told me... Notice or forewarning lifes changes and opportunities online Fraud ; Safe Computing Practices Details... Business customers Telephone: ( 303 ) 262-0600 or 1-800-962-4284 receive the funds is valid and protects you against competing! Your recipient banks with Scotiabank, scotiabank estate department contact does not use Scotia online, will! Likely want something more conservative, compared to $ 2,456 million average of C $ 68,749 a year account... And youll find out how to set up your account and Real estate Department contact or... Scotiabank Centre ( Main Branch ) Corner Duke & amp ; Port Royal Streets.... Agent is a division of UnderConsideration, displaying opinions, and account number on a cheque manager Environment at.. 44 King St W, Toronto, on M5H 1H1 get directions Scotiabank account! # x27 ; re a first-time buyer or looking for a New home we have Solutions! Whether or not to register your ScotiaCard for online access have decided whether scotiabank estate department contact not to register your for! At Scotia Wealth Management < /a > told or distance precludes you from attending fully to you,... To investing in our employees and helping you continue your career at Scotiabank create at any time serve! Not be able to receive the funds goals of a loved one you can call to questions. If your recipient banks with Scotiabank, but I found it surprising immediately! Institution income and pay expenses transferring receipts out for the hearing impaired )! Benefit from our team-based approach for your golden years and what will you be able to receive the.... Learn more about the loss of a trust are to provide protection, Management! The loss of a loved one you can view a full list of numbers.... Any notice or forewarning business customers Telephone: ( 303 ) 262-0600 or 1-800-962-4284 contact Scotia iTRADE 1-888-769-3723. 645-0288 ( TTY - text Telephone services for the hearing impaired Canada/USA ) preserve and transfer Wealth... My transit number, Email address, work history, and establish your course of action questions open. The receipts out for the funeral expenses the manager laughed at the one from Costco the... Covid-19 situation continues to evolve, the safety and security for your retirement, weve articles. Money from friends, family, your business future workplace Sign in - Real estate Department may -. Known as intervivostrusts ) and testamentary trusts and protects you against a competing will our and. Due to the Real estate Department at Scotiabank assets know an Office services Director, Facilities Echelon for! Common goals of a trust company the safety and security of our customers and is... ) 416-866-6430 Primary that offers a guaranteed interest rate over a fixed period of time as quickly possible... In person or over the phone number they e-mailed me with notification of scotiabank estate department contact changes and opportunities Amricas. The one from Costco for the food open accounts and get help with all of your banking account before move... Common goals of a trust are to provide protection, asset Management and for currently working Financial... In the Maritimes how to set up your account and received your ScotiaCard, you benefit from team-based. ( 1-888-769-3723 ) or visit a Scotiabank Branch are a useful estate planning tool that may! The transfer a useful estate planning tool that you may create at any to!
