Estate Planning is one of the most important things you will ever do for yourself and your loved ones. A properly designed estate plan can help ensure that your money goes where you want it to go, most efficiently, after your death. You are able to control what happens when you aren’t there to speak for yourself. The right estate planning strategy can help you provide for your loved ones, lessen possible disputes between beneficiaries, reduce current and future taxes, minimize potential government and court interference and provide for business succession or continuity.
Life Insurance is a proven way to accumulate money for your family, your business and yourself. It works if you die, live, disabled or sick. Life insurance can create financial security for you and loved ones. If you pass away prematurely, life insurance can help cover final expenses, pay off debts, maintain a standard of living for your family and leave a legacy to your favourite charity. While you’re alive, some types of life insurance can build tax-advantaged cash value you can draw on for personal and business opportunities, supplement your retirement income, provide for long-term care and home care.
Disability Insurance can help protect you and your family from an unexpected illness or accident that leaves you unable to work and earn an income. Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified time if you’re temporarily can’t work or you’re permanently disabled.
Critical Illness Insurance that will pay out a lump sum cash benefit if you are diagnosed with a life threatening illness such as cancer or heart disease. The money is tax free and can be used freely. For example, you may use it to pay a lump sum off your mortgage, enable you to stop working, or buy private medical care.
Developing the right investment plan begins with a conversation about your goals and dreams. We will work together to build a plan that fits your needs and determine which investment vehicles best suits your overall financial plan.