Mortgage/Personal Insurance

Reaching your financial goals involves management, discipline and having a plan in place for the protection of your family and all your combined assets. No plan is complete without having strategies for the “What If’s”. We help you identify potential risks such as disability, life threatening illness, loss of income or life and develop strategies to protect against each with a full range of  insurance products through our affiliates. Click here for your free consultation.

hard to insure

Do you suffer from diabetes, cancer or heart attack? Have you tried to purchase insurance and been unsuccessful? We can help! If you have been declined before, don't be discouraged. The insurance industry has undergone a huge shift on what they used to call “high risk" individuals. There are companies that only deal with this type of demographic. All this means is that now you may be able to get insured and at a reasonable price. Click here for your free consultation.

Investments

Our Advisors are versed in investment strategies that will help address all your financial objectives. You will have access to a wide array of investment solutions and services, tax effective investments, leading portfolios and professional teams of money managers. Our team will help you establish short and long term goals, implement effective asset-allocation, asset location, and wealth-building strategies, with regular reviews to guide you on your financial progress. Do you suffer from diabetes, cancer or heart attack? Have you tried to purchase insurance and been unsuccessful? We can help! If you have been declined before, don't be discouraged. The insurance industry has undergone a huge shift on what they used to call “high risk" individuals. There are companies that only deal with this type of demographic. All this means is that now you may be able to get insured and at a reasonable price. Click here for your free consultation.

estate planning

Believe it or not almost everyone has an estate. Your estate is made up of everything you own; your car, home, bank accounts, investments, life insurance, furniture, jewelry. Everything!

When you die, and it is a “when”, you probably want to have a say on how those things are to be given away. To achieve this, you need to provide clear instructions stating who receives what and when you want them to receive it incurring the least amount of taxes, court costs and legal fees.

In simplest terms, estate planning is making a plan in anticipation of your death to ascertain your worldly possessions go to whom and how you want. Click here for your free consultation.

The best time to plan your estate is now

TAX PLANNING

Whether running a business or a household, Tax Planning is an integral part of every financial plan. It is often the single largest “expense” from an employee’s pay cheque. For a business it is a burden that needs to be minimized wherever possible To generate a better yield. With the ever changing tax system in Canada, strategies need to be adjusted and optimized periodically. Let us help you figure out the strategies that work for your specific situation while you do the things that matter most. Click here for your free consultation.

group benefits

The best Group Benefits plan is the one that addresses your specific needs. Being brokers enables us to access multiple companies to find a plan that best suits you at an affordable price. We have access to group plans for companies of three to thousands of employees. We also have solutions for companies of one or two. Some of the most common plans include Health and Dental, Prescription drugs, Disability and life insurance coverage. Click here for your free consultation.

business Insurance

Did you know that the cost to pay premiums will be lower if paid by the corporation rather than personally? Corporate tax rates are usually much lower than personal tax rates. Since premiums are paid with after tax dollars, a policy paid by a corporation paying 15% tax rate will be cheaper than a person paying for a policy at 40% tax rates. Being independent brokers with a wide array of insurance suppliers we can help you with any need not relating to property. Whether you are looking for group benefits, how to fund a buy/sell agreement, overhead business insurance or need to insure a key person in your business, we have the resources and expertise to find the best solution for your business. Click here for your free consultation.