Financial Services
Let’s Get Started.
Life Insurance
You don’t buy Life Insurance because you are going to die, but because those you love are going to live. Let me help you to find the right type of coverage and demonstrate to you how simple and cost efficient it can be.
Living Benefits
Living Benefit plans are Insurance policies that provide financial benefits to people who face issues due to aging, illness, accidents and dependency. Critical Illness Insurance and Disability Insurance are a form of Living Benefits and if used correctly can be extremely powerful.
Long Term Care Insurance
A Long Term Care policy helps cover the costs of care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as: your home.
TFSA
The Tax Free Savings Account was implemented 2009 and if used correctly, it can be the most powerful tool of Financial Planning. In few words explained, it let’s you accumulate wealth without sharing your gains with the CRA. Of course to save taxes on your gains, you have to have gains.
Let me help you turn your TFSA in the most rewarding part of your overall investments.
RRSP/RRIF
A Registered Retirement Savings Plan is a government approved plan that is primarily used to save money for retirement. Your contributions, within limits, are tax deductible. You don't pay tax on the income earned while the funds are in the plan but you will be taxed on withdrawal. I can help you to structure your RRSP to maximize the tax advantage during the accumulation phase and when you start taking income, turning your RRSP into a RRIF.
RESP
The Registered Education Savings Plan (RESP) is a tax-sheltered investment vehicle that allows parents to save for their child's post-secondary education. The primary advantage of using an RESP is access to the Canadian Education Savings Grant, Canada Learning Bond, and tax-deferred investment earning. RESP’s have many advantages but also come with rules and it is important to be aware of them.
LIRA
A Locked In Retirement Account (LIRA) is a Canadian pension savings account that holds funds that can not be withdrawn until retirement. Well, there are some scenarios where you could withdraw some of it. Let me help you maximize your LIRA and gain access if needed.
PENSION
If you qualify for a company pension then your employer will have to give you the choice of retaining the accumulated pension funds within the company or transfer them in to your own pension fund and take control and ownership of the commuted value. I will lay out these two scenarios which will help you to make an informed decision.
NON-REGISTERED
This is an investment choice for clients who have maxed out their TFSA as an alternative to their RRSP. There is no tax break for contributing but you will be taxed much less at withdrawal time.
Make it stand out.
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.
Let’s Get Started.
Life Insurance
You don’t buy Life Insurance because you are going to die, but because those you love are going to live. Let me help you to find the right type of coverage and demonstrate to you how simple and cost efficient it can be.
Living Benefits
Living Benefit plans are Insurance policies that provide financial benefits to people who face issues due to aging, illness, accidents and dependency. Critical Illness Insurance and Disability Insurance are a form of Living Benefits and if used correctly can be extremely powerful.
Long Term Care Insurance
A Long Term Care policy helps cover the costs of care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as: your home.
TFSA
The Tax Free Savings Account was implemented 2009 and if used correctly, it can be the most powerful tool of Financial Planning. In few words explained, it let’s you accumulate wealth without sharing your gains with the CRA. Of course to save taxes on your gains, you have to have gains.
Let me help you turn your TFSA in the most rewarding part of your overall investments.
RRSP/RRIF
A Registered Retirement Savings Plan is a government approved plan that is primarily used to save money for retirement. Your contributions, within limits, are tax deductible. You don't pay tax on the income earned while the funds are in the plan but you will be taxed on withdrawal. I can help you to structure your RRSP to maximize the tax advantage during the accumulation phase and when you start taking income, turning your RRSP into a RRIF.
RESP
The Registered Education Savings Plan (RESP) is a tax-sheltered investment vehicle that allows parents to save for their child's post-secondary education. The primary advantage of using an RESP is access to the Canadian Education Savings Grant, Canada Learning Bond, and tax-deferred investment earning. RESP’s have many advantages but also come with rules and it is important to be aware of them.
LIRA
A Locked In Retirement Account (LIRA) is a Canadian pension savings account that holds funds that can not be withdrawn until retirement. Well, there are some scenarios where you could withdraw some of it. Let me help you maximize your LIRA and gain access if needed.
PENSION
If you qualify for a company pension then your employer will have to give you the choice of retaining the accumulated pension funds within the company or transfer them in to your own pension fund and take control and ownership of the commuted value. I will lay out these two scenarios which will help you to make an informed decision.
NON-REGISTERED
This is an investment choice for clients who have maxed out their TFSA as an alternative to their RRSP. There is no tax break for contributing but you will be taxed much less at withdrawal time.
