You have a lot more to protect than just your belongings.

Consider how you will:

  • Continue your income for your dependents
  • Provide for your children’s education
  • Maximize the value of your estate
  • Fund Final charges to your estate, including capital gains taxes, probate, legal and executor fees
  • Build a tax-sheltered fund outside of your RRSPs
  • Maximize your Retirement Income

Life Insurance

Pays a tax-free benefit to your loved ones in the event of premature death The purchase of life insurance is an integral part of any good financial plan. Whether or not you are the main income earner, if something happened to you it could have significant impact on the income of your family.

Disability Insurance

Many of us have insurance to protect our loved ones in the event of our death, but what happens if you survive? How long would your savings last if you couldn’t work for a few weeks, months, years?

  • Typically replaces up to 60% to 85% of your regular monthly income.
  • 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65
  • The average length of a disability that lasts over 90 days is 2.9 years.
  • Group disability insurance is often capped, you can have another policy to cover the difference

Critical Illness Insurance

Pays a tax-free, lump sum to be used however you wish. You could cover lost income, private nursing, out-of-country treatment, or pay off your mortgage.

  • The average age of a person making a critical illness claim is 49 An estimated 3,075 Canadians are diagnosed with cancer every week. It is estimated that there are 70,000 heart attacks in Canada each year There are between 40,000 and 50,000 strokes in Canada each year

Travel Insurance – Don’t leave home without it.

Your provincial health plan will cover only a fraction of any healthcare expenses incurred outside of Canada and limits coverage when travelling to another province. Did you know the average cost of a one day hospital stay in the US is $2090? Coverage includes:

  • Up to $5,000,000 emergency medical insurance
  • Single trip or multi-trip policies available
  • 24-hour medical and travel assistance

Coverage is also available for non-medical expenses such as trip cancellation/interruption and baggage loss.

Health & Dental Insurance

Designed to cover expenses not covered by provincial health plans

  • Flexible plans can be customized for your need
  • Prescriptions, Dental, Vision care
  • add-ons available such as Travel, Catastrophic coverage etc.

Life is challenging enough. Your finances shouldn’t be.

Whatever stage of life you’re in; from just beginning your career, in your prime earning years or preparing for retirement, certain events will take place that will require you to re-think your financial goals.

For example:

  • Marriage
  • New Home
  • New Baby
  • Starting a business
  • Divorce
  • Retirement
  • Death of a loved one

Life changes. Shouldn’t your financial strategy?

Get organized. Get a plan. Get ahead.

The best way to get financially organized is to meet with an advisor who will help you review your finances, discuss your goals and help you create, and stick to, a plan that helps grow and protect your finances for now and the future.

Remember, it’s never too late to take control of your finances!

Families & Individuals

  • Canadian & US dollar investment savings account
  • Life, Disability & Critical Illness Insurance
  • Segregated funds
  • Locked-in retirement accounts (LIRAs)
  • Registered Retirement Income Funds (RRIFs)
  • Registered Retirement Savings Plans (RRSPs) Business Investment Savings Accounts USD & CAD
  • Registered Education Savings Plans (RESPs)
  • Tax Free Savings Accounts (TFSAs)

Businesses

Having a strategy to grow and protect your assets through investing can help. However the number of investment choices that are available today is staggering. How do you choose what’s appropriate for your business?

  • Canadian & US Dollar Business Investment Savings account
  • Key Person Insurance
  • Buy-Sell Insurance
  • Group RRSPs
  • Employee Group Health Benefits
  • Business Investment Savings Accounts USD
  • Corporate investing for retained earnings
  • Cash flow, tax efficiency

Effective Investing

You work hard for your money; shouldn’t your money work hard for you?

Having a strategy to grow and protect your assets through investing can help. We can help you come up with a strategy that works for you now and over time, regardless of your financial circumstances.

Following some basic investment principles can take you a long way:

  1. Invest early – Compounding, the ability to grow an investment by reinvesting the earnings was referred to by Albert Einstein as “the eighth wonder of the world.”
A single $10,000 investment at age 20 would grow to over $70,000 by the time the investor was 60 years old (based on 5% interest rate) That same $10,000 invested at 30 would yield about $43,000 at 60 and invested at age 40 would yield only about $26,000.
  2. Invest regularly – Apply a “savings first” approach to managing your finances. Investing a small amount monthly is much easier on your budget and it gets your money working for you right away. As well, you don’t need to worry about the right time to buy because you’re always investing.
  3. Stick to your plan – The shiny new car may seem like a great deal, but how will it affect your long-term plans to retire when you want to?
  4. Get professional advice – Many think a financial advisor is only there to help you pick some investments at rrsp time, or that you don’t need financial advice unless you’re wealthy.

A good advisor will handle more than just investments. A good financial plan addresses all of the risks that can affect your finances, not just those in the stock markets.

We can help you find the right products to help you with your financial goals.

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