Welcome to my site

I would love to help you with your financial goals.

Contact me today.

 

Roger Castonguay, CHS

Financial Security Advisor
Investment Representative

"Keep it simple and easy to follow." That’s my approach with my clients. I help simplify life, disability and critical illness insurances and investment concepts for my clients every day and I show them how they can apply these ideas to their unique situations. When the plan makes sense, it helps them feel more confident in achieving a fulfilled financial future on their own terms.

I’m dedicated to my clients and I put their needs first. I pride myself on a keen ability to listen and get to know them and their financial goals. I find solutions that make sense to their needs and I make sure they have a solid retirement plan so that they’re better prepared for unforeseen life events. My successful client relationships are due, in large part, to the deeply rooted trust that we build together right from the beginning.

I help professionals and their families in the areas of life insurance, investments, retirement, estate and succession planning. I also help clients who have small businesses in areas such as key person insurance partnership protection and employee benefits.

I attended McGill University for Music and Concordia University for Business. I’ve completed my life insurance licence in 1998, mutual funds in Canada licence in 2000 and my Certified Health Specialist designation in 2007. I’m currently working on my Chartered Life Underwriter designation.

I live in Quispamsis, New Brunswick with my wife Tracey and two daughters, Katherine and Victoria. When I’m away from the office, I enjoy reading and travelling with my family. I serve my community on several community boards.

I have a passion for aviation and have earned my pilot’s licence. I hope to fly single-engine aircrafts again soon. More recently, I’ve become interested in photography. I enjoy taking nature photos. I have a special love for photographing birds and animals.

Recent Posts

How do recessions affect your retirement?

Feb 03, 2023 - Canada Life

During a recession, stock and other markets can dip, which can impact retirement savings and investments....

Read more

The cost of getting a divorce

Feb 01, 2023 - Canada Life

And five after divorce expenses you’ll need to deal with....

Read more

Should you switch your variable-rate mortgage to a fixed-rate?

Jan 23, 2023 - Canada Life

Is a fixed-rate mortgage the perfect fix?...

Read more

Ask an advisor: RRSP or TFSA? – Canada Life

Find out the reasons to invest in a registered retirement savings plan (RRSP) or tax-free savings account (TFSA) and why an advisor should help you decide.

 

 


View video script

 

Description: This animated video introduces a character named Hinata and his advisor with illustrated graphics to show the difference between an RRSP and TFSA.

Text “Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “RRSP or TFSA?” fades in below. An illustration of a vault draws on the right side of the frame.

Hinata: How do I choose between investing in an RRSP or a TFSA?

Description: Hinata sits in his advisor’s office with a cup of coffee on the desk in front of him. His advisor’s head nods to the right of the frame. A laptop is placed in between them.

Advisor: Well, first off, it depends on several things,

Description: Cut to Hinata and his advisor sitting behind her desk. She leans in and gestures towards the laptop.

Advisor: including your age, income, tax rate, the goal you’re saving for, and how long it’ll be until you need to use the money.

Description: Cut to five squares with icons and text, labelled “Age,” “Income,” “Tax rate,” “Goal” and “Time.”

Advisor: A registered retirement savings plan or RRSP is used to save for retirement.

Description: A pie graph labelled “RRSP” animates into the frame. An illustration of a Muskoka chair appears in the middle of the graph.

Advisor: When you put money into an RRSP, you get a tax receipt that can offset your income taxes.

Description: The advisor’s hand enters the frame and moves a coin into the pie graph. Cut to an illustration of a receipt. The advisor's hand brings the coin over to the receipt.

Advisor: You only pay tax on this money when you withdraw, and in retirement, you generally pay less tax than in your working years.

Description: Cut to line graph showing age from 20 to 90. The line representing income rises until retirement at age 65, then decreases gradually afterwards.

Advisor: A tax-free savings account or TFSA can be used to save for retirement

Description: A pie graph labelled “TFSA” animates into the frame. An illustration of a Muskoka chair appears in the middle of the graph.

Advisor: or any other goal.

Description: The camera zooms out to show two more pie graphs, one with an illustration of a new home, the other with an airplane.

Advisor: When you put money into a TFSA, you don’t get a tax-receipt like with an RRSP.

Description: The graph in the middle of the frame grows larger. The advisor’s hand enters and moves a coin into the pie graph.

Advisor: However, you also don’t pay tax on any increase in value in your TFSA,

Description: The hand pulls the coin out of the pie graph as the camera pans to a line graph representing savings over 15 years.

Advisor: or on money you withdraw from it at any date.

Description: An illustration of a receipt with scissors fades in as the graph drops slightly at the 15-year mark to show a withdrawal. The line graph continues to increase over another 10 years, another drop appears at 25 years, then finishes growing at 35 years.

Advisor: RRSP or TFSA or both? I can help you choose the best option for you.

Description: The camera zooms out of the laptop to return to Hinata and his advisor in her office.

Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.”

Ask an advisor: Why work with an advisor?

Learn the benefits of working with an advisor to help build a financial plan for your future.

 

 


View video script

 

Description: This animated video introduces two characters named Lauren and Amina and illustrated graphics to show how an advisor can help create a financial plan to reach your goals.

Text “Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “Why work with an advisor?” fades in below. An illustration of a handshake draws on the right side of the frame.

Lauren: I could buy my insurance and investments online. Why should I work with an advisor?

Description: Lauren sits outside at a café table with a lemonade in front of her.

Amina: My advisor sees the big picture of how all my finances fit together.

Description: Cut to show both Lauren and Amina sitting at the table.

Amina: I might miss something important doing it myself.

Description: The frame fades to reveal various graphics representing a new pet, life insurance, marriage, estate planning, new home, luxury car, speed boat, health coverage, travel and cottage.

Amina: There’s a plan to achieve all my goals,

Description: A line enters the frame to select Lauren’s goals: life insurance, a new home, health coverage and a cottage. All other graphics fade away.

Amina: even when new ones pop-up.

Description: The advisor’s hand moves into the frame to add a travel goal.

Amina: If something unexpected happens in the economy or the markets, I won’t freak out thinking I have to change or fix something.

Description: The line and goals move up and down to represent a shifting stock market.

Amina: My advisor updates me regularly, so I feel confident I’m on track.

Description: Amina’s hand moved into frame, holding her phone. A notification appears on her phone with a mail icon that reads: “New message.

Amina: With an advisor, my financial future is one less thing I need to worry about.

Description: Cut back to Amina sitting at the table, showing Lauren her phone.

Text “Let’s talk. Contact me today.” appears with legal line: “Video produced by Canada Life. canadalife.com 1-204-946-1190”