Who We Service

Individuals at different life stages

Health Care

Starting out

Individuals who recently entered the workforce, just beginning to think about investing and saving for the future, need help with budgeting and formulating a plan to achieve their goals at different stages of life whether that be marriage, purchase of their first home, to grow a family or save for retirement.

Health Care

Growing family

Single or newly married individuals, between the ages of 20 and 35, good income, responsible, goal-oriented decision makers, ambitious and independent thinkers.

Health Care

Retirement

Established individuals or families, between the ages of 40 and 65, planning for retirement with registered savings plans and pension plans.

Health Care

Estate conservation strategies

Individuals near retirement or in retirement, accumulated wealth and a goal to preserve assets within their estate. Ensuring beneficiaries receive as much of their assets upon death as possible and as little amount of tax paid out to the government.

Business Owners

Group benefits

Many business owners consider an employee benefits plan playing a key role in attracting and retaining employees. The plan can offer dental, prescription drug coverage , eye glass coverage, life insurance and short and long term disability

Pension Plan

A pension plan is similar to an individual RRSP but has added tax advantages for business owners as it is deducted from payroll Contributions can be made to a wide variety of investments including mutual funds, segregated funds, and GIC’s.

Buy-Sell Insurance

A buy-sell agreement is a legal contract within a shareholder agreement that outlines what will happen once a shareholder, owner or partner can no longer fulfill his duties due to death, disability or leaving the business completely. This agreement can be funded through a life insurance contract so the deceased or disabled shareholder’s family is not disadvantaged and the remaining shareholders are able to continue operating the business.

Key-Person Insurance

A key person is an employee who is pivotal to the bottom line of a business and their loss would severely impact the company’s operations on a daily basis. Key person insurance is a life insurance policy that a company purchases on the life of an owner, a top executive, or another individual considered critical to the business. The company is the beneficiary of the policy and pays the premiums.

Succession Planning

Succession planning is a business strategy used for passing leadership roles on to one or more other employees. The strategy is used to ensure that businesses can continue to operate effectively after employees retire or leave the company. Our planning strategies ensure all needs are met with a succession plan, from transfer of ownership to estate tax implications.