Financial Planning

Personal financial planning integrates services from the areas of estates, finance, insurance, risk management, investments, legal aspects, retirement and taxation.

We will guide you in making the best decisions to help you realize your life’s goals and dreams.

A financial plan is a road map to your financial future. It will guide you step by step on all your life events.

The role of a financial planner is to guide you through the financial planning exercise by helping you choose a strategic action plan that is wholly adapted to your personal situation, needs and that takes your constraints, life dreams and goals into account. Your planner will devise realistic strategies and suggest coherent measures to enable you to attain the goals you have set for yourself. With your input, your planner will set out valuable guidelines that allow you to keep track of your financial progress and make the right decisions at the right time.

Individual and Family Insurance

You have insurance right? You insure your car, your home, and all the stuff inside. But are you sure you’re protecting what’s most important to you? 

Last-minute expenses, medical, education funds, living expenses, debts, mortgages, taxes, and funeral costs

How will you fund them if you are no longer there?

Life insurance.

Know your options:

  • Universal life insurance
  • Term life insurance
  • Participating and non-participating whole life insurance
  • Guaranteed issue life insurance

Help protect your loved ones and provide financial security with life insurance. Whether you want help covering final expenses or building a legacy, you can protect your family or business with affordable Term, Whole life, or Universal life insurance.

Universal life insurance

A great compliment to your estate planning, retirement (RRSP) planning, tax deferral strategies, intergenerational wealth transfer with a wide choice of investment options within a tax-efficient life insurance solution.

Term life insurance

Your beneficiaries receive a tax-free, lump-sum benefit after your death with affordable term insurance solutions.

Participating and non-participating whole life insurance

Whatever your age, health or history, protect the financial security of your loved ones with a wide choice of affordable life insurance solutions.

Guaranteed issue life insurance

Are you getting turned down for insurance because of health issues? Do you feel as though you’ll never find insurance? Are you familiar with guaranteed issue life insurance?

Living Benefits

Most Canadians that become sick, seriously ill, or disabled never thought it would happen to them.

Don’t leave it to chance.

Know your options:

  • Critical illness insurance
  • Disability insurance
  • Long term care insurance
  • Health insurance
  • Dental care insurance
  • Travel insurance

Help protect yourself and your family from regular health and dental costs, as well as the expenses associated with disability, critical illness and long term care.

Critical illness insurance
If you’re diagnosed with a critical illness, focus on recovery with support from a critical illness insurance solution.

Disability insurance
Get help protecting your family from an unexpected illness or accident that leaves you unable to earn an income with a disability insurance solution.

Health & dental insurance
Get affordable health & dental benefits for yourself & your family.

Travel insurance
Emergency and travel health expenses can be costly. Make sure to have the right travel insurance plan before your next trip whether you’re traveling  to any of the other provinces or across the border.

Government of Canada Officiel Global Travel Advisories

Savings and Investments

Understanding your savings and investment options:

  • Do you have your plan in place?
  • Do you know which plan best suits your profile?
  • Are you saving for and funding post-secondary education?
  • Are you saving for a short term project?
  • Are you saving for retirement?
  • What are the many ways to fund your retirement?
  • What to do when you’re ready for retirement?

Let’s try to avoid retirement savings mistakes by building a strong advisor-investor partnership.

Why work with a Financial Planner or Financial Security Advisor?

Managing your investments can be complicated. You may not be comfortable investing on your own. A Financial Planner or Financial Security Advisor can help.

A planner or advisor can create a detailed financial plan which involves:

  • assessing your current situation
  • determining your present and future goals and needs
  • giving expert advice on the financial products that are right for you
  • working with the industry’s leading portfolio managers with major asset management firms
  • reviewing and updating your investments periodically

Choosing the right Financial Planner or Financial Security Advisor depends on what help you need. If you need specialized advice, look for an advisor with expertise in that area.

Choose one that you’re confident with and has the experience and expertise to help you reach your financial goals.

We provide exclusively segregated investment funds with the following advantages:

  • Death benefit guarantees at expiration
  • Guarantee reset options
  • Beneficiary designation
  • Private domain
  • Potential creditor protection
  • Savings by reducing legal probate, accounting and administrative fees