Your checklist for wealth creation and risk management, giving you peace of mind.
Every person and business is different. Different age, different health.
Time of accumulating, then deccumulating.
Most people don't have a written plan of what that looks like.
We focus on the whole person - from youth to senior and how
investing and protecting your family fits together.
A focus on only one or the other may leave gaping holes
in the plan or unnecessary doubling up, wasting precious resources.
Our agents have been in one business or another for the past 30 years. We know that businesses pay a lot of money in taxes.
The number 1 question we get is how can we save on taxes? Number 2 is how can we use our business as a retirement tool?
We have a team of experts ready to work through a process of learning about you and your business and it's systems. What concerns do you want to solve? We offer creative solutions to use your corporation as a vehicle for retirement and security while finding the best tax strategies so you do not pay more than necessary. We work closely with your accountant to give you the confidence that this is the best plan for you.
Whether a business owner or employee, everyone is a unique individual with the need to take care of their income in order to protect their loved ones. Let us help you find those solutions that give you peace of mind to enjoy your life without avoiding avoiding certain topics.
Planning ahead while still young is the best approach to retirement and estate planning.
There are many ways to grow your wealth but not many with guarantees and managed volatility.
We work to establish your risk tolerance and goals for retirement. We then present you with options to grow your money based on your risk experience. Time is truly on your side when growing a portfolio.
The right kind of insurance mixed with the appropriate investment can help with tax planning and probate issues after death. Planning now can put more money in your beneficiaries hands once you are gone instead of the government and lawyers.
Seggregated funds can offer many advantages over other investments because they bypass probate, minimize taxes, and are creditor protected. Ask us about the tax effective savings.
It is forecast that one in two people will get some form of critical illness in their lifetime and the majority live through it for many more years.
Should a critical illness strike, get peace of mind that you and your spouse can afford to take time off to heal. Stress is a big contributor to illness, and being able to rest is an important part of healing. This is living insurance that helps protect your wealth and standard of living with a lump sum payout to be used any way you see fit. Ask us about the return of premiums - a no loss solution.
Managing risk is integral to ensuring ones' survivors are cared for when death comes. We are able to show you when term insurance is appropriate for short term needs and how new hybrid permanent insurance is used for estate planning and passing on wealth generationally.
Insurance for kids is important for guaranteeing their insurability while they are healthy. Then when they get older and needing risk management, they can get it.
Buying only term insurance can be one of the biggest mistakes people make when planning for their needs. Term gets increasingly more expensive with age until it's more expensive than permanent insurance. Coupling term with permanent insurance is a wise use of money and guarantees that money is passed along to your desired beneficiaries.
New Hybrid forms are bringing the benefits of permanent insurance together with saving/investing components with very competitive pricing. Ask us how...
Your most important asset for making money is your ability to work. If that is jeopardized, your standard of living and future goals could be compromised. Ask us about a plan that works for you.
The Link Between is a great site to get all the latest information on Investments and Insurance with articles and calculators to help you learn and understand your financial world.
Check it out below...
We believe Everyone should have a valid up to date WILL!
We recommend you speak to your lawyer about creating one for you.
If that's not possible, here is a link for more information.
Note: We are not affiliated in any way with Canadian Legal Wills. This link is provide purely for eductational purposes.
Should you use them, you do so at your own knowledge and risk.