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Our Services

Individuals

  • Disability/Critical Illness/Long term Care
    • Tax free dollars when needed most
    • Family protection from future income loss
    • Majority of premiums refundable if no claims made
  • Mortgage Insurance
    • Will cancel mortgage, debts & other liabilities – fully portable
    • Name your own beneficiary
    • Coverage will never decrease
    • Medical approval up front to avoid claim underwriting.
  • Life/Estate Insurance
    • Neutralizes taxes on Estate
    • Family protection using discounted dollars
  • Visitors & New Canadians
    • Hospital & Medical insurance
    • Protects you and your family against expensive medical treatment
  • Personal Health & Dental Plans (including retirees)
    • Provide extended health care cover your entire family
    • Independent of employer plans – portable
    • Premiums 100% tax deductible
  • RSP's / RIF's
    • Annual tax deductions
    • Tax efficient way to save for retirement
    • Diversified portfolio / asset allocation strategy
  • RESP'S
    • Tax efficient way to save for Education
    • Flexibility in plan (Individual or Family)
    • 20% Government top up on contributions
  • Annuities/Insured Annuities
    • Peace of mind
    • Guaranteed income for life
    • Reduces annual tax liability
    • Capital Preservation
  • Succession Planning
    • Helps to avoid future tax liabilities
    • Tax efficient way to pass on personal and business assets to the next generation

Corporations

  • Key Man Insurance
    • Peace of mind at a very low cost
    • Avoids bankruptcy/creditor crunch in the event of death of a partner
    • Immediate cash on hand when needed most
  • Individual Pension Plans
    • Often large corporate tax deductions
    • 100% creditor proof
    • Contributions to IPP far exceed available contributions to an RRSP
  • Group Benefits/Group Pension Plans
    • Self Funding can save considerable dollars
    • Business owners have complete control and have access to increased personal deductions
  • Universal Life and Holding Companies
    • Ability to tax shelter investments
    • Helps to protect assets from creditors
    • Ability to withdraw money from Corporation with minimal or no tax to fund retirement
  • Retirement Compensation Arrangements
    • Significant tax deductions to Corporations
    • Can be used in conjunction with an RSP/IPP
  • Corporate Insured Annuities
    • Guaranteed income at above average returns
    • Ability to withdraw money out tax free
  • Severance Planning
    • Employee seminar – how to keep benefits & pension plans upon termination, lay off or, plant closure.

Health Problems? – No Problems, guaranteed acceptance plan for Life, Critical illness, accident /injury and Health & Dental plan

Questions about Your Financial Security?
Contact our office!

Tax-Free Savings Accounts

A great way to SAVE for special events and situations.
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Tax Savings Calculator

See how much tax you can SAVE with an RRSP deposit.
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Growth Calculator

See how regular RRSP deposits can grow your NEST EGG.
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