Protecting all that is yours
One of the most important functions we serve is helping you protect all you have worked to build. Fortunately, there are a number of ways to help. It takes the right approach, as well as steadfast discipline and diligence, to assess the risks that could derail your life goals and to build a contingency plan to help limit the negative effects. As your experienced guide, we assess where your risk lies and determine your level of comfort with it, exploring what actions and plans to put in place to provide the protection you need and deserve.
Then, we tailor your financial plan to prepare for the unexpected. This could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and growth opportunities with annuities. Working together, our team helps you protect your overall financial plan, your way of life and your ability to reach your goals even when the unexpected happens.
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One of the risks we all face, regardless of age, is the potential for sudden illness, disability and, subsequently, the need for long-term care. All of these have far-reaching effects not just on your health, but on your way of life, your ability to earn income and on your overall finances.
We help prepare you and your family for the unexpected by helping to ensure you have the right types and amounts of insurance, including disability insurance, to provide income if you are unable to work.
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The goal of every retirement plan is much the same: to ensure that your money lasts as long as you do. Using the appropriate risk management method, accompanied by diligent monitoring of your investments, we help mitigate risks to your retirement savings by minimizing exposure to market uncertainties and tempering the effects of inflation on your portfolio.
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Over the years we have learned – and witnessed – the importance of taking the necessary steps to protect one’s legacy for the generations to come. We work with your tax and legal professionals to create or update your estate plan documents, such as your will, trusts and powers of attorney, and ensure your beneficiary designations are up to date on everything from your retirement accounts to your insurance policies.
We also offer strategic charitable-giving tools that may feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one, or to spell out exactly how you want your wishes to be carried out, we can help.
Insurance
Insurance, first and foremost, protects what’s most important to you – your family. Insurance can also be used in estate planning, charitable giving, business continuity and wealth accumulation strategies.
We have access to a wide variety of major insurance providers in the marketplace, ensuring that we find the right solution for you at a competitive price.
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Whether you want to leave a legacy to a charity, help cover final tax liabilities or simply ensure that your family is taken care of in the event of your passing, a number of life insurance products can be tailored to fit your need. The most common forms of life insurance are as follows:
- Term life insurance
- Universal life
- Whole Life
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Critical illness insurance provides coverage against the financial hardship caused by a serious health problem such as heart attack, stroke or cancer. While the physical and mental strain of a critical illness can be severe, the financial impact can often be devastating. With critical illness insurance, the lump sum benefit can be spent as you see fit, helping cover lost income, providing private health care or even paying down debt.
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On average, 1 in 3 Canadians will become disabled for 90 days or longer at least once before the age of 65. Adequate disability insurance can help you bridge the gap between income and expenses during a disability and avoid the need to deplete savings or take on additional debt.
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Long term care insurance covers the out-of-pocket expenses that arise when you can no longer care for yourself, either at home or in a facility. These expenses include nursing care, rehabilitation, personal care and homemaking services.
