{"id":596,"date":"2026-10-29T00:04:26","date_gmt":"2026-10-29T04:04:26","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=596"},"modified":"2026-10-29T00:04:26","modified_gmt":"2026-10-29T00:04:26","slug":"new-to-canada-your-first-year-financial-plan","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/new-to-canada-your-first-year-financial-plan\/","title":{"rendered":"Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"596\" class=\"elementor elementor-596\">\n\t\t\t\t<section class=\"elementor-element elementor-element-24f101a e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"24f101a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"24f101a\">\n    <div class=\"elementor-element elementor-element-8af91f5 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"8af91f5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8af91f5\">\n    <article class=\"elementor-element elementor-element-6daad4a e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"6daad4a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6daad4a\">\n    <div class=\"elementor-element elementor-element-b95b439 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"b95b439\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b95b439\">\n    <div class=\"elementor-element elementor-element-29eaa2f e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"29eaa2f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"29eaa2f\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"6ee7eee\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"6832913\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"34a2239\">\n\tPlanification financi\u00e8re\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-4c8914a e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"4c8914a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4c8914a\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"9a78301\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"09b1358\">Article 7 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"597ad83\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"c1cc3f7\" class=\"title-lg e-heading-base e-default-h1\">Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"58fda45\" id=\"27\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-1024x988.webp\" width=\"1024\" height=\"988\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-1024x988.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-300x289.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-768x741.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-1536x1481.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64-600x579.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-64.webp 1600w\" alt=\"Illustration for the article: Sending Money Home: International Transfers and Currency Exchange\"\/>\t\t<div class=\"elementor-element elementor-element-c020536 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"c020536\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c020536\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"ff23bc0\">La premi\u00e8re ann\u00e9e au Canada implique de prendre de nombreuses d\u00e9cisions simultan\u00e9ment. Un ordre de marche simple peut r\u00e9duire le stress.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"850b196\" class=\"prose-heading e-heading-base e-default-h2\">Premi\u00e8res semaines : mettre en place les bases<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-256cc8b e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"256cc8b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"256cc8b\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"7440af9\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"a0c47e7\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"e46f5f3\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-6fc448d e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"6fc448d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6fc448d\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"107cfcf\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"ecc3b87\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-e85a648 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"e85a648\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e85a648\">\n    <a class=\"elementor-element elementor-element-d5b4083 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"d5b4083\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d5b4083\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/tfsa-rrsp-and-fhsa-canadas-registered-accounts-in-plain-language\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"be6cf7a\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"796519d\">CELI, REER et CAF\u00a0: Les comptes enregistr\u00e9s du Canada expliqu\u00e9s en langage clair<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ca6a269 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"ca6a269\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ca6a269\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"510921b\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"ed4b1ce\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-c98b802 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"c98b802\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c98b802\">\n    <div class=\"elementor-element elementor-element-ff527b8 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"ff527b8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ff527b8\">\n    <div class=\"elementor-element elementor-element-a604f3f e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"a604f3f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a604f3f\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"c5df6b3\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"cf7ec08\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-5574369 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5574369\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5574369\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/what-is-financial-planning-and-why-does-it-matter\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4096948\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"0e5a799\">Qu\u2019est-ce que la planification financi\u00e8re et pourquoi est-elle importante\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-50435be e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"50435be\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"50435be\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/set-money-goals-that-actually-stick\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4771a92\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d3f082a\">Fixez-vous des objectifs financiers que vous tiendrez vraiment<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f3598e2 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f3598e2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f3598e2\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/budgeting-basics-telling-your-money-where-to-go\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"93c6974\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f7f4bbb\">Les bases de la gestion budg\u00e9taire\u00a0: comment allouer son argent<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-157380b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"157380b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"157380b\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/your-emergency-fund-the-foundation-of-every-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6f148f6\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"538c41c\">Votre fonds d&#039;urgence : la base de tout plan<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-2d95e38 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2d95e38\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2d95e38\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/insurance-basics-protecting-what-you-are-building\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0fb8a30\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f3a9276\">Principes de base de l&#039;assurance\u00a0: prot\u00e9ger ce que vous construisez<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-153c142 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"153c142\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"153c142\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/tfsa-rrsp-and-fhsa-canadas-registered-accounts-in-plain-language\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e03788a\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4391192\">CELI, REER et CAF\u00a0: Les comptes enregistr\u00e9s du Canada expliqu\u00e9s en langage clair<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-399a876 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"399a876\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"399a876\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/new-to-canada-your-first-year-financial-plan\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5ec7f88\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"98dc24e\">Vous venez d&#039;arriver au Canada\u00a0? Votre plan financier pour la premi\u00e8re ann\u00e9e<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-33d88ba e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"33d88ba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"33d88ba\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/start-early-the-quiet-power-of-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"457950e\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4caf20a\">Commencez t\u00f4t : le pouvoir discret des int\u00e9r\u00eats compos\u00e9s<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7541774 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7541774\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7541774\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/pre-retirees-planning-your-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8f36165\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4bbae98\">Pr\u00e9retrait\u00e9s : Planifier ses revenus de retraite<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-859dafc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"859dafc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"859dafc\" href=\"https:\/\/gmat40.com\/fr\/topics\/financial-planning\/wills-beneficiaries-and-your-annual-financial-check-up\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"818384f\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9c65036\">Testaments, b\u00e9n\u00e9ficiaires et votre bilan financier annuel<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"5104d71\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Financial Planning Premium Article 7 of 10 2 min read New to Canada? Your First-Year Financial Plan The [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":589,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-596","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New to Canada? 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