Your life. Your financial plan.

How do we work together? 

1. Let’s chat! First, we’ll get to know each other to ensure it’s a good fit.
2. Next, we’ll discuss your goals. Not sure? I have tools to help!
3. Then I’ll share digestible information, so you understand your risks and options for reaching those goals.
4. Together we’ll build your plan through investment, insurance, and mortgage solutions. 
5. And we’ll stay in touch to adjust the plan as your life evolves.

Expertise

I also have access to a team to help:

• Find solutions for complex situations
• Find tax advantages
• Business owners design benefit and savings plans for their employees

• Investments
• Insurance
• RRSP & RESPs

Participating life insurance

Participating life insurance, also called whole life insurance, provides lifelong insurance coverage with an opportunity for a tax-advantaged cash value component (a guaranteed amount of money that grows inside the policy) and death benefit growth.

These policies give you the opportunity to earn policyowner dividends which can be used to purchase additional insurance coverage or reduce your annual premium payments. Dividends when credited to the policy have a cash value. You can withdraw cash from these policies or borrow against the policy’s cash value.

Term life insurance

Term life insurance is a simple and affordable way to help you meet short-term protection needs over a defined period of time, 10 or 20 years. It is ideal for those seeking basic coverage when insurance needs/financial risks are highest but available funds are limited – for example, a couple with young children and/or mortgage.

RRSP and RESPs

Contributing to a Registered retirement savings plan (RRSP) is still one of the most popular ways to save for your retirement. Contributions are tax deductible and taxes are deferred until you withdraw your money.

Registered education savings plans (RESPs) offer an effective way to maximize the money available to your children or grandchildren when they enrol in a full-time post-secondary program. And anyone – parents, grandparents, other family members and friends – can open an RESP for a child. As the cost of post-secondary education continues to rise, it’s becoming even more important to start saving early for their future education.

Preserving your business

As a business owner, it's important to consider the various ways to cover the risks your business faces, protect your employees and build employee satisfaction and loyalty. We offer a number of solutions to help business owners like you protect and grow your business.

Get some help for your retirement 

Your workplace pension gives you advantages that can help you save more so you can retire on your terms. It helps bridge the gap between your personal savings and what you need for your retirement. In some cases, your employer may match a portion of what you contribute. 

Disability Insurance

Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. Not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

Critical illness insurance

Focus on your recovery knowing that you have the money to help with your expenses if you're diagnosed with a serious illness.

• Tax free payout. A one-time benefit payment that you can use for whatever you need.
• Health experts. World-renowned specialists can help oyu and your family at any time for any condition.
• Additional support. Get counselling and other services from professionals during your recovery.

Critical illness insurance can give you a tax-free payment if you're diagnosed with a serious condition. Your contract will define which conditions you're covered for, but some examples include cancer, heart attack or stroke. 

Mutual funds

Mutual funds allow you to pool your savings with other individuals in a portfolio of investments managed by professional money managers. Because of the large amount of money in the pool, mutual funds can diversify your portfolio more widely than you may be able to do when investing on your own.

Through Quadrus Investment Services Ltd., I have access to Quadrus Group of Funds. This exclusive mutual fund family offers clients a multi-managed, multi-style approach by some of the world's leading investment managers.

Contact me today to learn more