Growing and Protecting Your Retirement Savings

Whether your retirement is years away or just around the corner, it’s important to ensure your investments reflect your goals and risk tolerance. Exposure to the equity markets can add value to your portfolio during an upswing but can leave you vulnerable to loss if safety and security are important to you. Consider segregated funds – many Canadians have never heard of them yet they have been around for over 50 years.

Watch this video to learn about the benefits and growth potential of segregated funds so that you can explore all your options and achieve the right balance for your retirement.

Create a financial plan for you and your family – contact your advisor today.


How Changes to the Taxation of Trusts may Impact You

Are you thinking about your estate plan and have one or more of these situations to consider?

  • Your intended beneficiaries may be minors or younger adults who would not be able to manage significant amounts of money or property on their own.
  • One of your beneficiaries may be disabled.
  • You may be concerned about leaving property outright to your surviving spouse for fear that they will remarry and ultimately pass the property to their new spouse. Alternatively, they may have children from a previous marriage who might inherit property at the expense of your own family members.
  • You want to protect your children from a future matrimonial claim.

If any of these common situations apply to you, then there may be a need for a trust.

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Smart Talk About Your Insurance Options

When considering the purchase of insurance, the various available options can be a bit perplexing and stressful. Your advisor’s role is to analyze your particular situation and help you choose the best combination of coverage and payment options. They will also take you through the insurance company’s information gathering and underwriting process so you’ll know what to expect and how long it may take.

Watch this short video to learn about your options and the process of purchasing a policy that’s suited to your specific circumstance.

To create a financial plan for you and your family, contact your advisor today.


Smart Talk About Choosing the Right Insurance

There are many categories and variations of insurance plans. Your advisor’s role is to analyze your particular situation and help you choose the best combination of coverage and payment options. The various available options can be a bit perplexing but to simplify it – there are two main types of insurance: term and permanent. There are pros and cons to both but your advisor can help you make the right decision for your specific situation.

Watch this short video to learn the difference between Term and Permanent life insurance and more about other categories of insurance such as Living Benefits, Critical Illness, Long Term Disability, and Long Term Care.

To discuss which plan and product best meets your needs, contact your advisor today.


Smart Talk About Insurance

Life changes. In fact, change is a part of everyday life – a new career, a growing family, a health challenge, a new business opportunity, and so on. A key ingredient to securing financial success throughout your lifetime is your insurance. It provides financial protection for you and the people you care about. If faced with an unexpected illness, disability, or even death, insurance gives you options to cover your family’s ongoing living expenses and can help you build up a nest egg while it protects and grows the assets you can then pass on to your heirs.

Watch this short video to learn about why insurance is important to have.

To secure your financial well-being, contact your advisor today.


Changes to the Taxation of Exempt Policies – Act now before it’s too late

Legislative changes that affect Canadian life insurance policies take effect January 1, 2017. If you are considering making changes to an existing policy or the purchase of permanent insurance, it’s important for you to take action now in order to take advantage of potential benefits that will no longer be available after 2016.

Level Cost of Insurance (LCOI) life insurance policies issued before 2017 can provide significantly better financial benefits than policies issued when the new rules become effective. Here are three key areas for you to consider:

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How your Life Insurance can Help your Favourite Charity

The gifting of life insurance to registered charities has always been a popular method for individuals to fulfill their philanthropic goals, and worth considering when it comes to a charity that is near and dear to your heart.

There are basically two options when donating life insurance to a charity: donate a policy while one is alive or make the registered charity a beneficiary of the policy. The option selected will depend on many factors.

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What to Expect When you Apply for Insurance

Prepare for the future. Live in the moment. You hear this advice all the time and wonder which makes more sense. Well, the answer to that is easy – if you prepare for the future, it makes living in the moment a lot easier to do.

Applying for life insurance is an important task that can help you plan for the future but it can be a little overwhelming. There are difficult decisions, questions, paperwork, interviews, and medical tests. So where do you start and how can you ensure the process goes smoothly?

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Where there’s a will, it will be your way

Did you know that over 50% of Canadians do not have a will?*  While some don’t know how to get started, others believe they can’t afford it.

Are you part of the 50% who don’t have a will? Having a will is an important part of your estate plan. Without a will, your assets would be distributed as per provincial intestate legislation. This process takes time, can increase costs, and will probably not match your wishes for your estate. If you have assets and want to give direction for the distribution of assets upon death, you need a will.

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