We Provide a Holistic Approach to finances. Our number 1 priority is to educate the families we sit with in regards to money. We then put together an Expert Financial Analysis that looks at all areas of personal finance so that we can support our clients with the "full picture" and "game plan" to achieve what they are out to create in their life.
INVESTMENTS
Investment Accounts/Retirement
Segregated funds are market-based investments like mutual funds, but are insurance contracts with additional benefits such as protection from creditors, bypass probate and estate fees, and additional capital guarantees.
RRSPs - A tool to build up retirement assets in a tax-sheltered setting while also reducing your income tax for the current year. Tax is paid upon withdrawal of the funds
TFSAs - Allows Canadians 18 and older to save money in a tax-sheltered investment. It allows someone to withdraw their money tax-free. There are contribution room limits to be mindful of.
RESPs - A great way to save for your children’s education and receive benefits from the government.
LIFE INSURANCE
Life Insurance - A contract with an insurance company that protects the financial security of the people you love by giving them a tax-free payment after you pass away. Typically, life insurance is chosen based on the needs and goals of the owner.
Term Life Insurance: A fixed amount of insurance for a specific period of time. Temporary protection you can customize to meet your changing needs
Permanent Life Insurance: Often called whole life insurance because it provides lifetime coverage, and includes accumulating cash values over time
Universal Life Insurance: A type of permanent life insurance that combines death benefit protection with savings to earn tax-deferred growth
LIVING BENEFITS
Critical Insurance: Provides a lump-sum payment to minimize financial stress and costs when a life-altering illness occurs
Disability Insurance: Protects a portion of your income to make sure the bills get paid and your lifestyle remains when a disability/injury occurs.
Long Term Care Insurance: Supports in giving you control over the type of care and support you receive if you’re unable to care for yourself.
Health/Dental Coverage: Helps pay for a portion of your health or dental expenses not paid through other benefits you may have.
Travel Insurance: Protect yourself against unforeseen circumstances while you’re away from home or even out of province. We can offer you a wide range of plans to fit your needs and your budget.
Group Health/Dental Coverage: EMPLOYERS: Attract and retain the best talented people by providing them with benefits such as dental care, vision care, hospital care, drug coverage, paramedical services, etc
