Risk & Wealth Planning
Protect yourself and your loved ones
Invest , save and grow for your future
Creating a financial blueprint is the first step to financial success
You have been offered a job and get to pick between two different compensation structures. Which one are you choosing? Job A will pay you $80,000/year while working and $0 if you are unable to work due to an injury or illness. Job B will pay you $78,500/year while working and $53,000 (tax-free) if you […]
Kid Start from Empire Life is a whole life insurance strategy that leverages the tax advantages of individually owned life insurance to help give the next generation a financial head start in life. Kid Start offers a number of advantages over traditional financial vehicles used for tax-advantaged intergenerational wealth transfer, including: Access to cash via […]
Remember, you can’t get life insurance once you need it!
A Registered Education Savings Plan (RESP) is a special savings account to help Canadian residents save for a child’s post-secondary education. Benefits include: Help you systematically save and plan for a child’s education Tax-sheltered growth – there’s no taxes payable on the money earned in a RESP until it’s withdrawn Government Grants – Government matches […]
Add to your family/business payroll The day you leave, insurance will come in to cover Use the interacvtive calculator to calculate the amount of coverage and cost specific to you. Receive a detailed report with multiple comparisons. Get started now
The Registered Education Savings Plan (RESP) is an investment program where the Government matches 20% of your contributions. You could even qualify for additional Grants based on your family income. There’s also the Canada Learning Bond where the Government offers up to $500 for low-income families. Start Early Families with young children can benefit the […]
Starting a new job or changing careers is one of those important times when you need to review your life insurance options.
This is something not a lot of people know about, but it can be a great solution
When it comes to putting money into an RESP, it is very important to know the RESP contribution rules. The rules are complicated and somewhat confusing but I will do my best to try and help you understand how they work.It’s all about the Canadian Education Savings Grant (CESG). The CESG is 20% of every […]
We may not like to think about it, but anything can happen to us. If you were no longer alive, what would your family’s financial future look like? Ensure your loved ones’ financial peace of mind by getting life insurance.
There are different types of life insurance to suit the needs of different people. Understanding the difference can really help you to choose a solution that works best for you. Talking with an advisor is obligation-free and may put you more at ease with making decisions that will have a financial impact as well as […]
Have you reviewed your life insurance beneficiaries recently? And don’t forget to include a secondary beneficiary on your policy!
Life insurance can help your loved ones cover expenses they currently (or will someday) face if your earnings were no longer in the picture. In addition to maintaining their standard of living now, life insurance also helps ensure their future.
Life changes. Your life insurance should too.
Life insurance may be one of the most important purchases you’ll ever make.
Just saying… life insurance > roses.
Life insurance provides a financial lifeline to your loved ones when you are no longer in the picture.