Insurance should be about more than just protecting your loved ones; it’s about living your life the way you like it. So why not get more out of your insurance while you’re around to enjoy it? Manulife Vitality is insurance that motivates you to make healthy choices, earn super-cool rewards AND save on how [...]
Due to how expensive and limited Individual Health and Dental Plans are, many of my incorporated business owner clients choose to implement a Health Spending Account. This allows them to run their medical expenses through their corporation and deduct those qualifying medical expenses. This is much more tax-effective than paying for medical expenses [...]
Do you need insurance? Which insurance? Can you trust insurance agencies? You are not alone if you have asked any or all of these questions. Recently, I was contacted by someone who was skeptical about insurance - here is my response: “I believe that trust needs to be earned. In my [...]
As a disclaimer, I am not an “investment guy” – I just like money and understand investing way more than the average person. I believe in specialization, which is why I typically refer those asking me to invest their money over to the experts at JustWealth. I am tired of people coming [...]
First thing first, IRP is not a product – it’s a concept/strategy. Universal Life Insurance is the product – so let’s talk about that first. Should mentioned that Universal Life is quite complex as there are many different components and ways to structure. I tried to keep this as simple as I can. [...]
There has been some sad news recently in entertainment world with regards to Critical Illnesses. Unfortunately, we saw Luke Perry (Riverdale, 90210 actor) suffer and pass away from a Stroke. Selma Blair made headlines as she opened up about her Multiple Sclerosis diagnosis. And lastly, Alex Trebec posted a video explaining that he has been [...]
Here is what I often use to help illustrate the importance of proper disability insurance. This one was for a 35-year-old father who earns around $80,000 per year. He has no disability benefits through his work and his income is important to him. Before he met me, he never really thought about how financially [...]
There has been a lot of negative press around the advice in which Canadian banks provide. I have mixed feelings about what's being said as I come from working at one of the big banks. A big part of my responsibility was training advisors. There were a lot of great advisors who would always [...]
Have you ever sat down and thought about the importance of being able to earn an income? For most of us, isn't it true that it is the ability to earn an income that provides for us? I encourage you to watch this video which illustrates how important our income is and what we [...]
The investment world is rapidly changing – for the better in my opinion. One way this is changing is that people are recognizing how much they are now paying in fees. Mutual Funds and Segregated Funds are extremely expensive and most managed funds rarely beat the market – especially when you take in consideration [...]
