CASH FLOW & DEBT MANAGEMENT
The Path to Success
59% of Canadian are retiring in debt, of which 60% is credit card & line of credit. If we would only had a class in school teaching us how to avoid this. I want to make sure I am doing my best to help clients avoid being part of that statistic. When are you on track to be paid in full?
The Behavioural Cash Flow plan is a written document including specific advice on personal spending based on a standardized process that allows me to take into account your income, expenses, proximity to retirement( or other major goals), assets and liabilities and recommend how much you can spend on the things you can control in order to achieve your dreams.
BANK ON YOURSELF
The bank on yourself concept provides you a pathway to grow your money safely and predictably every year, tax free-even when the markets are crashing. This concept was used since the 1900 and almost 50% of the families had it. Currently most the wealthy people have it and all the banks.
Now that being said the return you would get would beat most of the other financial instruments available on the market which promise a lot, but because of the volatility they will deliver way less.
SEGREGATED FUNDS & GUARANTEED INCOME FOR LIFE
By using Segregated Funds instead of Mutual Funds you will get: creditor protection,death benefits and maturity guarantee,probate fee bypass, estate fee reduction, privacy & quick disbursement at death. Call me to find out how can you get guaranteed income for life by using segregated funds.
You can use the segregated funds for your RRSP, TFSA and RESP. Contact me to find out more
HEALTH & DENTAL AND TRAVEL INSURANCE
My services are customized to meet the specific needs of each client. I work collaboratively throughout the entire process and guarantee measurable results.
Besides the standard benefits plan I can help you turn health expenses into business expenses.
Contact me to find out how I can help today.
Life Insurance & Living Benefits
The Second Wave of the COVID-19 Pandemic is here. Unfortunately, the majority of Canadians are NOT financially protected. Children are back at school and there is an increased risk of getting sick or ill. Life insurance and Group Plans do NOT offer any real financial coverage in the event of a sickness or illness. Individuals need financial protection while they are alive, recovering from an illness, because getting sick can cause significant financial hardship.
Good news !!! Living Benefits Coverage is now available to individuals and their families. Very affordable coverage, protecting you and your family from any illness and any disease including COVID-19, Cancer, Stroke, Heart Attack and any other future Pandemic or virus.
Lets setup a time to discuss these Living Benefit solutions.
I am hosting a short online ZOOM presentation outlining the current Living Benefits solutions available during this COVID-19 Pandemic. Please REPLY back with you name, phone number and what time is best for you and I can send you the login details.
Next Living Benefits Presentation
8pm EST Wednesday Sept 23th, 2020
Non medical life insurance
Key Benefits of No Medical Life Insurance
No denial due to health issues
Plans available for smokers
No hassle of a medical exam
Obtain your policy in days, not weeks