You get home from work, your spouse is tired, and the baby just spilled spaghetti all over the carpet. Your older child got suspended from school for cutting his friend’s hair. After dinner, you can barely think straight.
Right now, you are at one of the most difficult stages of your life.
Your peak earning years are usually a decade or more away, and diapers aren’t cheap – neither is that house and white picket fence. Having a baby can cost $9,000 per year. Navigating your family life requires careful budgeting and risk management. You have to save, pay the mortgage, buy insurance, invest for retirement, and hopefully have enough left over to take your family to a sporting event or another fun activity.
At this stage of life, it can be easy to justify avoiding insurance and investing for the future. After all, you are young; retirement is decades away. However, insurance is cheaper the younger you are, and the earlier you start investing, the more compounding returns can work in your favor.
Many people will offer you advice on which investments to buy. But there’s more to your financial life than your RRSP. Estate taxes, income taxes and education …
Mortgages
Using an Independent Mortgage Broker can SAVE you thousands of dollars in interest payments. And that’s MONEY you can use for other things. Whether you are a …
Life Insurance
Term life insurance is the most basic of life insurance products in that it has no savings component, and thus no cash value. By the name, it is purchased for a ‘term.’ One of …
Tax Free Savings Account
The TFSA is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for…
Disability Insurance
Everyone who enjoys good health hopes it will last for a lifetime. But it doesn’t always turn out that way. Sometimes life throws a curve. Injuries can happen. A disability illness could…
Educational Savings
RESPs are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student usually pays little or…
Critical Illness Insurance
A critical illness can happen to anyone. And it does happen to many. Canadians are more likely to experience a critical illness than they are to die before the age …
Will
A will is a written document, properly signed, which: (1) specifies who is to administer the estate (the executor), (2) specifies what is to happen with the assets and liabilities …
LIFE STAGES
If you are just starting out, it’s easy to…
You get home from work, your spouse is…
During the last market downturn, retirees who…
OUR SERVICES
Investment tax planning is not just about writing the…
Careful portfolio analysis is necessary to ensure that…
About Us
We have been serving individuals, families, and businesses in the Greater Toronto Area for over 20 years. Our commitment is to help each client meet their unique financial goals.
Life is complicated; figuring out how to achieve your financial goals can be overwhelming. Access to information is easy but it is difficult to know where to start. We simplify complex financial matters; understand the whole picture for each client and build a plan that lets them live life confidently and on their terms.
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