My Services

WHAT I CAN DO FOR YOU
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Peace of mind and financial success come from taking control and following a plan. Such a plan must be tailored to your personal circumstances and objectives and executed with utmost care to maximize wealth creation and its protection. 

My services include professional investment and insurance advice, to help get you on the path to financial security and independence. 

As we plan for retirement it is important to allocate our money to the appropriate investment vehicles. This can lower income taxes, defer taxes, and grow our money tax advantaged and often tax free. It is always important to manage risk according to client expectations and comfort levels. Not only do we manage risk tolerance on the investment side but also insurance risk. It only takes one misfortune and an entire plan or lifes savings can be gone with an unexpected death, injury or illness. A well devised plan will have an investment portfolio and a risk portfolio(insurance). The following is a list of the investment vehicles and insurance products I utilize to develop plans for my clients; 

• RRSPs- minimize and defer taxes
• RESPs- save money for childs education
• Non-Registered Savings Plans- pay capital gains tax rather than income tax
• Tax Free Savings Accounts- grow your money tax free

• Life Insurance 
      Term Insurace- inexpensive and covers off immediate needs
      Universal and Whole Life Insurance- permenant insurance for estate planning with an investment component to build wealth tax advantaged
• Critical Illness Insurance- pays a lump sum benefit on the diagnosis of a critical illness
• Disablility Insurance- income replacement in the event you are unable to earn an income as the result of an injury or illness
• Long Term Care Insurance- pays a monthly benefit on the loss of 2 or more daily living activities 
• Annuity Strategies- minimize taxes and guarunteee income 
• GMWB Products (Maximize Retirement Sustainability)- guaunteed rates of return and income for life
• Personal Health Spending Plans- pay for your health and medical expenses with before tax dollars