Individual & Business Health Plans

We understand that group benefit plans can represent a significant financial obligation to an employer. But did you know, there are alternatives to traditional group insurance plans that may be a better fit for you, your business and your valuable employees? How would you like a plan that allows you, the owner, the ability to offer coverage to employees and still control costs, without the burden of administration? Expenses reimbursed through a Health Spending Account are 100% tax free to employees and 100% tax deductible to the business. Call us today to learn more!

Risk Management

Risk Management - is the process of evaluating the risk of loss or harm and then taking steps to proactively combat the potential risk. People do this regularly to protect their homes, cars and precious assets with "insurance". But, have you ever considered your biggest asset is your ability to earn an income - in order to sustain those assets? Do you know your risk of sustaining a life altering accident or illness during your working years far out-weighs the risk of premature death? Are you even eligible for coverage? Insurance be it: Life, Critical Illness, Disability or Long Term Care, is one of the most important and misunderstood financial tools. Protect your self, your family and your lifestyle against financial devastation. It's easy and free to apply - don't be caught unprepared when disaster strikes!

Assured Investments

It's a fact that Canadians are living longer than previous generations. It is also true that every year, the cost of living increases. Today, fewer than one in four working Canadians have a corporate pension plan that will provide them income for life, while debt continues to out-weigh savings. How will your investments fare? Will you have time to recover from the next drastic market fluctuation before your retirement? Consider the importance of time and investment growth, plan flexibility, creditor protection, maturity guarantees and resets to capture market gains. You responsibly insure your house, your car, your "things", right? Isn't it time you insured your money too? Sleep better at night knowing your investments are protected from market declines. Contact us to learn more.

Registered Education Savings Plans (RESPs)

If your child was born after January 1, 2004 AND your family receives the National Child Benefit Supplement, you can received the Canada Learning Bond (CLB). It provides up to $2000 in education money for each child in your family - completely Free! Simply open an RESP account to get your first $500 fro.m the Government of Canada, with possible additional deposits up to $1,500 by the time your child is 15 years old. The CLB can only be used for post secondary education and some conditions apply. The Canada Education Savings Grant (CESG) is another available government grant. When you put money into an RESP, the Government adds an additional annual amount to help grow your savings. Your child will qualify for the CESG until the year they turn 17. Contact us for more information on these valuable government programs.

Retirement Planning

In the ever changing retirement landscape, maintaining financial security, dignity and independence as we age, is a major concern for many Canadians. Consider these important questions... Are you close to or already retired? Will you need predictable, guaranteed income for a specified time or life? Do you own low yielding GIC's or other similar investments? Will you need more than CPP's average $640/month to live on in retirement? Would you prefer to have experts actively manage your portfolio? If you answered "Yes" to any of the above or if you're feeling a little unprepared, let's chat soon - it's never too late. A strong strategic plan today will ensure smooth sailing into retirement tomorrow.

Estate & Tax Planning

A Certified Executor Advisor (CEA) works with both Testators (a person who dies, or will die with a Will) and Executors (a person(s) appointed by Testator to execute their Will) to identify and minimize potential estate challenges. With proactive planning they help testators create strategies to ease taxation and liquidity issues as well as real or perceived inequality concerns in their Wills. They provide guidance to Executors towards successful execution of the duties and legal responsibilities to avoid personal risk and liability. The time to plan for your final wishes is when time is on your side. Learn more about estate planning and taxation strategies to preserve and execute your legacy wishes - your Executor will thank you!