Services

Life Insurance

If you recently bought a home, got married or had a baby, perhaps you’ve thought of how you can always provide for your dependents even if your earning ability is compromised or if you’re not around. Life insurance is a critical tool for ensuring your family’s financial security.

I can help you select the right product for your life stage, needs and budget. Whether you’re looking for an affordable term life insurance policy or exploring more comprehensive options, I’ll guide you every step of the way.

Contact me today for a personalized and affordable term life insurance quote.

Whole Life insurance

Wondering if Whole Life insurance is for you?

Whole Life insurance, also known as permanent life insurance, is more than just a safety net. It is a powerful tool for estate planning, wealth management and tax optimization. Contrary to popular belief, it’s not just for the wealthy. Whole life insurance can help you:

Build Cash Value

Accumulate cash values over time that you can access or borrow against when needed.

Reduce Final Income Tax Liability

Significantly lower the taxes owed by your estate upon your passing.

Maximize Your Legacy

Free up more of your estate for your heirs to inherit without the burden of heavy taxation.

Don’t just take my word for it – Ask your accountant! My solutions not only help you defer and save on income taxes, they help you earn guaranteed tax-free proceeds. In fact, I often include my clients’ accountants and lawyers in their estate planning to build a comprehensive plan that is endorsed by their trusted experts.

Travel Insurance

Planning a trip? Whether it’s for yourself or loved ones visiting Canada, travel insurance is essential for peace of mind during any journey.

Visitor Travel Insurance & Super Visa Insurance: If your parents are visiting Canada, I can help you find the best travel insurance policy tailored to their needs. As an expert in travel insurance products, I simplify complex terms like pre-existing condition exclusions and stability clauses so you can make an informed decision.

Critical Illness

Diagnoses for severe illnesses like cancer, heart attack and stroke are on the rise exponentially.

A diagnosis can disrupt your life in unimaginable ways—not only affecting your health but also your finances. A severe illness like cancer or a stroke can not only push you out of the work force, it might even require your spouse to take significant time off to support your recovery. You may need to pay out of pocket for certain expensive drugs or special equipment for your recovery at home.

Critical illness insurance provides a tax-free lump sum to offset such unexpected costs. This money can be used for:

Specialty prescription medication as an out-patient

Replacing lost income if you or your spouse need to take time-off work

Making necessary adjustments to your home and lifestyle to support your recovery

Disability insurance

If you’re self-employed, protecting your income is critical because there’s no employer-provided safety net or government program to fall back on in case of disability. Disability insurance ensures that if you’re unable to work due to a temporary or permanent disability, you’ll still have an income to cover living expenses while focusing on recovery.

Key benefits of disability insurance:

Provides up to 70% of your monthly income as a tax-free payout.
Offers financial stability so you can recover and rehabilitate at your own pace without worrying about bills piling up.

For self-employed individuals, this coverage is not just important it’s essential.

Health Insurance (Extended health, travel, dental & vision care)

Health insurance plans are supplemental plans, meaning they pay for expenses that are not covered or are restricted under OHIP. Health care costs are rising and OHIP coverage does not go far enough in most circumstances.

If you don’t have extended health benefits through an employer, investing in a private health plan can provide peace of mind and financial protection against unforeseen medical expenses.

Extended health insurance plans cover expenses not included under OHIP or other provincial plans, such as:

Prescription drugs
Vision care
Dental care
Paramedical services like physiotherapy, chiropractic care, massage therapy, and more

Full-Service Investment Planning & Management

I offer the following comprehensive investment planning and management services

Personalized Mutual Fund Recommendations

I learn about your unique financial goals and risk comfort to handpick mutual funds that perfectly align with your future plans. No cookie-cutter advice—just tailored strategies designed to help you grow your wealth confidently

Clear, Actionable Education:

Investing doesn’t have to be complicated. I break down mutual funds and market trends into simple, actionable insights so you can make informed decisions with confidence and clarity.

Custom Investment Planning

Together, we’ll build a diversified mix of mutual funds that balances growth or income and stability, crafted specifically for your needs. I’ll continuously fine-tune your investments to keep you on track, adapting to market changes and life’s milestones.

Ongoing Performance Monitoring:

Your investments deserve constant attention. I provide regular, transparent updates on how your portfolio is performing. We meet at least annually where I suggest tweaks to ensure your investments are aligned with your goals.

Easy Account Setup & Contributions:

Navigating investment accounts can be confusing let me simplify it. Whether it’s RRSPs, TFSAs, RESPs, or non-registered plans, I’ll guide you step-by-step to open and fund your accounts effortlessly, making investing straightforward and stress-free.

Let’s work together to simplify your financial journey. Whether you need a one-time plan or ongoing management, I’ll help you invest with confidence and clarity.
Contact me today to discuss your goals!

Compliance Comments:

You are not registered as a Portfolio Manager, your registration limits you to mutual fund sales. Please avoid using terms like ‘portfolio management’.
A portfolio can be a collection of financial instruments, term insurance, mutual funds, WL
Avoid using terms like ‘your portfolio is built to target specific returns’. Instead, focus on risk tolerance and investment objectives.
Expertise: Decades of experience in optimizing portfolios for tax efficiency, risk mitigation, and long-term growth. Is this phrase accurate? Have you worked in the investment industry in the past directly or indirectly dealing with the investment portfolios of clients? If a phrase is not entirely factual, it is best to avoid it because it will be heavily scrutinized during an audit.

I have managed portfolios of up to $250 million in insurance premiums to ensure profitability, (meaning controlling risk, pricing what can be accepted and transferring what risk is too much) and sustainability of a particular product line.

Tax and Estate Planning

I support small businesses and incorporated professionals with estate and tax-planning. I design solutions that can help small business owners and incorporated professionals with the following:

Make tax free withdrawals from your business

Fund business buy-sell equalization agreements

Increase the value of the estate left to heirs

I also help individuals and families lower their tax bill by leveraging registered accounts like RRSP, FHSA, RESP, TFSA and if applicable, RDSPs. Based on your eligibility and affordability, I can help you prioritize the right account type and maximize your tax savings. ** Does a TFSA account help lower a client’s tax liability? It is after tax dollars being invested so a client would not receive any immediate tax benefits.

Deciding between RRSP and TFSA is part of optimizing tax planning, likewise for FHSA vs TFSA. These strategies to provide immediate tax savings and long-term tax sheltering.

Confused whether to invest in your RRSP or TFSA, contact me today for exploratory chat.

Tax & Estate Planning for Small Businesses & Professionals

I specialize in helping small business owners and incorporated professionals optimize their financial legacies while minimizing tax burdens. My tailored strategies focus on:

Tax-Free Withdrawals

Structuring life insurance solutions to be held within the corporation to maximize after-tax cash flow from your business.

Buy-Sell Agreement Funding

Ensuring seamless business succession through properly funded equalization agreements

Estate Value Enhancement

Protecting and growing the wealth passed to heirs by leveraging insurance and tax-efficient asset transfers.

Personal Tax Optimization

For individuals and families, I design strategies to reduce your annual tax liability and grow wealth faster by maximizing the use of:

Registered Accounts

Prioritizing contributions to RRSPs, TFSAs, FHSAs, RESPs, and RDSPs based on your goals and eligibility.

Tax-Efficient Investing

Aligning investments with your marginal tax rate to minimize capital gains, dividends, or interest taxation.

Retirement Planning

Structuring withdrawals from RRSPs/RRIFs to avoid OAS clawbacks and optimize GIS eligibility in retirement.

Confused about where to start?

RRSP vs. TFSA

Unsure which account best suits your short-term needs or long-term goals? I’ll analyze your income, tax bracket, and future plans to recommend the optimal strategy.

FHSA Maximization

Leverage this powerful tool for first-time homebuyers to save tax-free while building your down payment.