1 in 3 Canadians will become disabled before the age of 65

Having a source to replace your earned income in the event of an illness or accident is vital considering that on average, 1 in 3 Canadians will become disabled for a period of more than 90 days at least once before the age of 65. Having that source be tax-efficient and one that doesn't drain your retirement fund, is also critical to ensure you stay on track and not have to start from scratch when you recover.

A few seconds that can change your life

A few seconds could change your life - in a good way, or a bad way. My close call could have led to a much worse situation that could have severely affected my quality of life. So while we could all go through unfortunate situations that we can’t avoid, planning for the unexpected can help reduce the adverse impact on our quality of life.

Videos about Dytuco Financial Services

See this page for videos about Medy & Dytuco Financial Services - our background, what makes us different and how we can help you look at your retirement plan and protect your families.


Albert Einstein defines insanity as doing something over & over again and expecting different results. What have you been doing over & over the last few years that has not moved you closer to your financial goals? Why even bother with new years’ resolutions if you’ve usually just abandoned them after a few weeks? These 5 key steps gives a different perspective that can truly make a big difference to reaching your financial goals this year and beyond.

10 often overlooked places to look for savings

When you search the internet for articles on the saving money, most usually say the same old obvious suggestions like turning lights off, turning the thermostat down and bringing your lunch to work. This article highlights some not-so-common places to look for savings - in some very common ways we “waste” money. As you read through the list, think about how much these may have cost you in the past, or imagine how much they could cost you in the future. As you add it all up, you may find that you have a hidden pot of gold right under your fingertips.



Taxation Changes for Life Insurance Create Tax-Savings Opportunities in 2016

Permanent life insurance, such as Whole Life or Universal Life, has long been accepted as a tax efficient way of accumulating cash for future needs. Soon the amount of funds that can be tax sheltered within a life insurance policy will be reduced by new tax rules which take effect January 1, 2017. These changes may make 2016 the best year to buy cash value life insurance.