Do Millennials Need Permanent Life Insurance?
If you are in your 20's or 30's there is a good chance that you have not yet put much thought into your insurance planning. Maybe you said yes to the insurance on your mortgage or maybe you have benefits through your employer. While [...]
Are You Wasting Money On Insurance?
A lot of time and effort goes into shopping for your dream home. You also probably spent a considerable amount of time shopping the market for the best mortgage rate available. Once you made your final decision, the lender offered you Mortgage Insurance to protect [...]
5 Questions You Should Know About Disability Insurance
Thought I would share with you some common questions that my clients have asked me about income protection. Do I need to protect my income? I think the better question is, could you afford the consequences of not having long term disability insurance? Undoubtedly [...]
Capital Gains Tax on the Family Cottage
You love the cottage and hope it will stay in the family for generations to come, but will it? The biggest concern that people face when transferring the cottage to the next generation is the capital gains tax when sold. You can defer the [...]
Demystifying the Health Spending Account (HSA)
Do you own an incorporated business? Do you personally receive income from your business? Do you and your family have annual Medical Expenses? If you answered YES to all of those questions… we can SAVE you money. What is a Health Spending Account (HSA)? [...]