The Difference Financial Literacy makes

Everyone's financial responsibilities and priorities change over time. Whether you’re just starting your worklife or looking ahead to retirement, planning goes a long way in helping you make good financial decisions, reach your goals, save taxes and/or avoid unpleasant surprises that could set you significantly back financially.

Family Business Planning Strategies

If you are an owner in a family enterprise, the likelihood of your business successfully transitioning to the next generations is not very good. This has not changed over the years. Statistics show a failure rate of: 67% of businesses fail to succeed into the second generation 90% fail by the third generation With 80% to 90% of all enterprises in North America being family owned, it is important to address the reasons why transition is difficult.

The Cost of Taxes to your Bottom Line & the Value of Planning with Tax-free options

Have you looked at how much difference tax-free options can make to your bottom line? Aside from a TFSA, do you know other tax-free options there are available for your savings, investments, and retirement funds?

Whole Life – A Whole new Investment Class

The recent developments in investment markets and the volatile performance that has resulted have brought about a new appeal to an old workhorse. For investors looking for a diversification in their investment portfolio and a more tax efficient fixed income investment alternative, a compelling argument can be made for the use of Whole Life Insurance.

How an Insurance Audit can help you save money & taxes

Many people get insurance because they know they need it, some try to understand what they're getting, and most don't remember the terms of their plans even after only a short while. Just like any financial plan, an annual or periodic review of your insurance plans can help make sure your plan still fits your needs. More importantly, this review is necessary to help save money and taxes and avoid getting surprised at your time of need.

Is the Life Insurance Industry in Canada Stable?

Insurance is one of the most closely regulated industries in Canada. Unlike the United States, in Canada there is a government organization that supervises all of the federally incorporated and foreign insurers to ensure that these companies operate in a prudent manner.