Services and solutions

Retirement income planning

Let’s carefully coordinate your assets and income sources to help provide you with a reliable income stream, designed to last longer than you do while minimizing taxes and maximizing future opportunities for the ones you love.

Tax Planning

Being aware of whether you're overpaying on taxes is essential. Understanding the Old Age Security(OAS) clawback is important, as it can affect your financial situation. It's crucial to consider the optimal strategy for portfolio withdrawals to minimize your tax liabilities, as well as plan for minimum withdrawals from your Registered Retirement Income Fund(RRIF)

I focus on future oriented tax planning rather then solely maximizing immediate tax savings. My goal is to keep your taxes low both now and during retirement, ultimately reducing your lifetime tax liability.

Risk management

You have worked hard and made sacrifices to get to this point. Part of my process involves understanding what can go wrong and minimizing the risk. This planning could involve (but not necessarily) life insurance, long-term care insurance, critical illness insurance, or home equity. In all cases, I’ll create a well-designed and articulated retirement income withdrawal strategy.

Estate Planning

Concerns about the taxation of your RRIF/RRSP upon your passing are important to address, particularly regarding the amount your beneficiaries will retain. It is crucial to explore strategies to minimize taxes at the time of your passing and to consider whether establishing a trust is appropriate for your estate planning needs. Regularly updating your will and Powers of Attorney(POA) is also essential for ensuring that your wishes are respected.

I collaborate with you to ensure that you have the necassary documents in place and that they remain current.

Affluent and legacy driven

It’s time to make a concrete legacy plan so you don’t have to worry about what will happen when you’re gone.

RRSP (Registered retirement savings plan)

A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
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TFSA (Tax-free savings account)

A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.

Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
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RESPs (Registered education savings plan)†

A tax-deferred account to help you save for a child’s or grandchild’s post-secondary education. Anyone can open a RESP and contribute money at any time, up to a lifetime total of $50,000 per child. Contributions aren’t tax deductible, but any investment income earned within the plan will be taxed only when it’s withdrawn.
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GICs (Guaranteed investment product)**

Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
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Mutual funds†

A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Find out more

Segregated funds

Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Find out more

Annuity products

An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company – like Sun Life – guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks – and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
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Travel insurance

Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
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Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
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Business owners

Spend more time running your business and less time worrying about your business. A strong strategy can get you there.

Business owner insurance

Whether you’re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family.
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Business Benefits & Savings

The needs of small businesses are as unique as the people running them. That’s why we’ve created a variety of affordable, customizable benefits and savings plans with the features that matter most to businesses.
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RRSPs for Business Owners

Your business may produce surplus above what is needed for your business or personal lifestyle. You can either retain in the corporation or remove and invest personally. Maximizing your RRSPs makes sense for most business owners given a sufficient time horizon.
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TFSAs for Business Owners

Your corporation may produce surplus above what is needed for your business or personal lifestyle. If you want to save the surplus for future use TFSA’s may be a good solution, depending on your time horizon and current and future tax brackets.
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Looking at retirement

Everyone’s dream retirement will look a little different. That’s why it’s important to make a custom retirement plan.

RRSP (Registered retirement savings plan)

A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
Find out more

TFSA (Tax-free savings account)

A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.

Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Find out more

RRIF (Registered retirement income fund)

An investment account that pays you income during retirement. You can transfer tax-sheltered funds from registered Canadian accounts such as RRSPs, registered pension plans and other RRIFs into a RRIF.
Find out more

GICs (Guaranteed investment product)**

Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Find out more

LIF (Life income fund)

A registered account designed to pay you income from your locked-in pension assets. These assets can’t be taken out all at once, since a LIF is meant to provide retirement income throughout your life.
Find out more

Mutual funds†

A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Find out more

Segregated funds

Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Find out more

Annuity products

An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company – like Sun Life – guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks – and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
Find out more

Personal and family health insurance

A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.
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LIRA (Locked-in retirement account)

A registered account designed to hold and invest pension assets that you and your former employers contributed to. Investments within the LIRA grow tax-deferred – this means you won’t have to pay taxes on investment growth until you withdraw funds.
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Long term care insurance

Long term care insurance from Sun Life provides an income-style benefit if you become unable to care for yourself due to aging, a serious accident, severe illness or deteriorated mental abilities.
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Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
Find out more

†Mutual funds distributed through Sun Life Financial Investment Services (Canada) Inc.

**Sun Life Financial Trust Inc. is the issuer of Sun GIC Max and Guaranteed Investment Certificates. Sun Life Financial Trust Inc. is a member of Canada Deposit Insurance Corporation (CDIC). An Insurance GIC is an accumulation annuity issued by Sun Life Assurance Company of Canada.

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Sunlife
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.