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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
With the summer break wrapping up, it’s a great time to think about your child’s RESPs. Get in touch to discuss your contributions and if you’re on track to set them up for success in their future.
When you’re bringing in a high income, it’s important to manage it effectively. You want to make sure you’re making your hard earned money go as far as possible.
Let’s connect to discuss your strategy.
Let’s connect to discuss your strategy.
When you’re bringing in a high income, it’s important to manage it effectively. You want to make sure you’re making your hard earned money go as far as possible.
Let’s connect to discuss your strategy.
Let’s connect to discuss your strategy.
Check out these tips to help your retirement savings go farther:
- Maximize government benefits
- Manage withdrawals from RRSPs to minimize taxes
- Consider downsizing your house
- Understand healthcare coverage
Let’s chat and explore your options.
- Maximize government benefits
- Manage withdrawals from RRSPs to minimize taxes
- Consider downsizing your house
- Understand healthcare coverage
Let’s chat and explore your options.
Check out these tips to help your retirement savings go farther:
- Maximize government benefits
- Manage withdrawals from RRSPs to minimize taxes
- Consider downsizing your house
- Understand healthcare coverage
Let’s chat and explore your options.
- Maximize government benefits
- Manage withdrawals from RRSPs to minimize taxes
- Consider downsizing your house
- Understand healthcare coverage
Let’s chat and explore your options.
Freelancers - are you loving the freedom of being your own boss but feeling overwhelmed by the financial side of things?
Irregular income, self-employment taxes, and saving for retirement can be tricky when you're flying solo. But don't worry – you don't have to navigate this alone!
Let’s work together to help manage cash flow, set up an emergency fund and explore retirement options and insurance protection.
Get in touch to get started.
Script: Let's help make your freelance dreams financially sustainable
Irregular income, self-employment taxes, and saving for retirement can be tricky when you're flying solo. But don't worry – you don't have to navigate this alone!
Let’s work together to help manage cash flow, set up an emergency fund and explore retirement options and insurance protection.
Get in touch to get started.
Script: Let's help make your freelance dreams financially sustainable
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We understand the unique needs of those with diabetes. Sun Life’s innovative Term Insurance for Diabetes offers higher chances of approval compared to conventional life insurance and includes a Diabetes Care Program. Apply now to enter our monthly $5,000 giveaway! Message me for details on how to protect your family's future. #DiabetesCare #InsuranceInnovation
*Certain terms and conditions apply.
*Certain terms and conditions apply.
We understand the unique needs of those with diabetes. Sun Life’s innovative Term Insurance for Diabetes offers higher chances of approval compared to conventional life insurance and includes a Diabetes Care Program. Apply now to enter our monthly $5,000 giveaway! Message me for details on how to protect your family's future. #DiabetesCare #InsuranceInnovation
*Certain terms and conditions apply.
*Certain terms and conditions apply.
Sun Life's Term Insurance for Diabetes offers a higher chance of approval and affordable premiums compared to conventional life insurance. Plus, enter the Protect to Win Contest for a chance to win $5,000!
#DiabetesAwareness #FinancialProtection
*Certain terms and conditions apply. Contact me for more information.
#DiabetesAwareness #FinancialProtection
*Certain terms and conditions apply. Contact me for more information.
Sun Life's Term Insurance for Diabetes offers a higher chance of approval and affordable premiums compared to conventional life insurance. Plus, enter the Protect to Win Contest for a chance to win $5,000!
#DiabetesAwareness #FinancialProtection
*Certain terms and conditions apply. Contact me for more information.
#DiabetesAwareness #FinancialProtection
*Certain terms and conditions apply. Contact me for more information.
If remote work is here to stay, then it’s time to adjust your financial strategy to match your lifestyle. You may be saving more money on commuting and work attire, while spending more on your home office and utilities.
Let’s assess where you’re at and build a strategy that helps you reach your goals.
Let’s assess where you’re at and build a strategy that helps you reach your goals.
If remote work is here to stay, then it’s time to adjust your financial strategy to match your lifestyle. You may be saving more money on commuting and work attire, while spending more on your home office and utilities.
Let’s assess where you’re at and build a strategy that helps you reach your goals.
Let’s assess where you’re at and build a strategy that helps you reach your goals.
Dividend vs Salary? What is better for you?
#tips #corporation #smallbusiness
https://advisor.sunlife.ca/brad.wigard/
#tips #corporation #smallbusiness
https://advisor.sunlife.ca/brad.wigard/
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Are you feeling squeezed between caring for your aging parents and supporting your own children? You're not alone.
Balancing multiple financial responsibilities can be overwhelming, but there are strategies to help.
Reach out and we can address your family's needs while helping to safeguard your own financial future.
Script: Don't let the pressure of being "sandwiched" compromise your financial well-being.
Balancing multiple financial responsibilities can be overwhelming, but there are strategies to help.
Reach out and we can address your family's needs while helping to safeguard your own financial future.
Script: Don't let the pressure of being "sandwiched" compromise your financial well-being.
Watch video
With the rising cost of living, have you had to take on a second job or side hustle? It might be time to create a financial roadmap so your can understand your spending habits and start working towards you goals. Let’s work together to help make your money go further.
Tune in as Brad spills the tea on investing at all time highs!
https://advisor.sunlife.ca/brad.wigard/
references:
https://www.theglobeandmail.com/investing/markets/markets-news/Motley%20Fool/33273706/is-it-smart-to-buy-stocks-with-the-sp-500-at-an-all-time-high-history-has-a-clear-answer/
https://advisor.sunlife.ca/brad.wigard/
references:
https://www.theglobeandmail.com/investing/markets/markets-news/Motley%20Fool/33273706/is-it-smart-to-buy-stocks-with-the-sp-500-at-an-all-time-high-history-has-a-clear-answer/
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Disability insurance helps protect you financially by replacing a portion of your income if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.
Getting an individual disability insurance policy can be beneficial for you even if you don’t work in a physically demanding role. As an example, if you are diagnosed with major depression that prevents you from working, your policy could replace a portion of your income while you focus on your mental health.
Interested? Let’s talk about if it’s right for you.
Getting an individual disability insurance policy can be beneficial for you even if you don’t work in a physically demanding role. As an example, if you are diagnosed with major depression that prevents you from working, your policy could replace a portion of your income while you focus on your mental health.
Interested? Let’s talk about if it’s right for you.
Disability insurance helps protect you financially by replacing a portion of your income if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.
Getting an individual disability insurance policy can be beneficial for you even if you don’t work in a physically demanding role. As an example, if you are diagnosed with major depression that prevents you from working, your policy could replace a portion of your income while you focus on your mental health.
Interested? Let’s talk about if it’s right for you.
Getting an individual disability insurance policy can be beneficial for you even if you don’t work in a physically demanding role. As an example, if you are diagnosed with major depression that prevents you from working, your policy could replace a portion of your income while you focus on your mental health.
Interested? Let’s talk about if it’s right for you.
Want to teach your kids about money management this summer? Try the Three Jar Method. Help your children divide their allowance or summer job earnings into three jars:
1. Spend
2. Save
3. Share
This simple system introduces budgeting, saving for goals, and the importance of giving back. It's a fun, visual way to start important money conversations with your kids during their time off from school.
1. Spend
2. Save
3. Share
This simple system introduces budgeting, saving for goals, and the importance of giving back. It's a fun, visual way to start important money conversations with your kids during their time off from school.
Want to teach your kids about money management this summer? Try the Three Jar Method. Help your children divide their allowance or summer job earnings into three jars:
1. Spend
2. Save
3. Share
This simple system introduces budgeting, saving for goals, and the importance of giving back. It's a fun, visual way to start important money conversations with your kids during their time off from school.
1. Spend
2. Save
3. Share
This simple system introduces budgeting, saving for goals, and the importance of giving back. It's a fun, visual way to start important money conversations with your kids during their time off from school.
🎢 **The Emotional Rollercoaster of Retirement: Managing Expectations** 🎢
“Retirement isn’t just a financial transition; it’s an emotional journey as well.” ❤️
Many retirees encounter challenges such as loss of identity and purpose, often compounded by financial pressures. For someone who has defined themselves by their career, the transition can lead to feelings of worthlessness and uncertainty. 😞
✨ **To prepare for these emotional hurdles:**
1. Engage in community activities to foster connections 🤝
2. Pursue hobbies that ignite your passion 🎨
3. Consider part-time work to find renewed purpose 💼
Addressing both the emotional and financial aspects of retirement is crucial for crafting a fulfilling and enjoyable journey. Let’s make the most of this new chapter! 🌅
https://advisor.sunlife.ca/brad.wigard/
#RetirementJourney #EmotionalWellbeing #FindingPurpose #RetirementPlanning #LifeAfterWork #CommunityEngagement
“Retirement isn’t just a financial transition; it’s an emotional journey as well.” ❤️
Many retirees encounter challenges such as loss of identity and purpose, often compounded by financial pressures. For someone who has defined themselves by their career, the transition can lead to feelings of worthlessness and uncertainty. 😞
✨ **To prepare for these emotional hurdles:**
1. Engage in community activities to foster connections 🤝
2. Pursue hobbies that ignite your passion 🎨
3. Consider part-time work to find renewed purpose 💼
Addressing both the emotional and financial aspects of retirement is crucial for crafting a fulfilling and enjoyable journey. Let’s make the most of this new chapter! 🌅
https://advisor.sunlife.ca/brad.wigard/
#RetirementJourney #EmotionalWellbeing #FindingPurpose #RetirementPlanning #LifeAfterWork #CommunityEngagement
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Divorce isn't just emotionally challenging — it can take a major toll on your finances too.
Some costs you may need to consider are:
- Legal fees
- Dividing your assets and debts
- The cost of shared custody of children
If you’re going through a divorce, it’s a good time to assess how this will affect your finances now and into the future. Let’s make a plan that you feel confident in.
Some costs you may need to consider are:
- Legal fees
- Dividing your assets and debts
- The cost of shared custody of children
If you’re going through a divorce, it’s a good time to assess how this will affect your finances now and into the future. Let’s make a plan that you feel confident in.
Divorce isn't just emotionally challenging — it can take a major toll on your finances too.
Some costs you may need to consider are:
- Legal fees
- Dividing your assets and debts
- The cost of shared custody of children
If you’re going through a divorce, it’s a good time to assess how this will affect your finances now and into the future. Let’s make a plan that you feel confident in.
Some costs you may need to consider are:
- Legal fees
- Dividing your assets and debts
- The cost of shared custody of children
If you’re going through a divorce, it’s a good time to assess how this will affect your finances now and into the future. Let’s make a plan that you feel confident in.
Turning 71 soon? It's time to talk about your RRSP. Did you know that by December 31st of the year you turn 71, you must convert your RRSP to a RRIF or annuity? This marks an important shift from saving to spending in retirement.
Key things to consider:
- Minimum annual withdrawals
- Tax implications
- Investment strategy adjustments
Let's chat about these upcoming changes and how we can navigate them together.
#RetirementPlanning #RRSP #RRIF
Key things to consider:
- Minimum annual withdrawals
- Tax implications
- Investment strategy adjustments
Let's chat about these upcoming changes and how we can navigate them together.
#RetirementPlanning #RRSP #RRIF
Turning 71 soon? It's time to talk about your RRSP. Did you know that by December 31st of the year you turn 71, you must convert your RRSP to a RRIF or annuity? This marks an important shift from saving to spending in retirement.
Key things to consider:
- Minimum annual withdrawals
- Tax implications
- Investment strategy adjustments
Let's chat about these upcoming changes and how we can navigate them together.
#RetirementPlanning #RRSP #RRIF
Key things to consider:
- Minimum annual withdrawals
- Tax implications
- Investment strategy adjustments
Let's chat about these upcoming changes and how we can navigate them together.
#RetirementPlanning #RRSP #RRIF
💊 **The High Cost of Healthcare in Retirement: Are You Ready?** 💊
“Healthcare costs in retirement can catch many off-guard, seriously impacting your financial stability.” ⚠️
In Canada, while we benefit from a public healthcare system, out-of-pocket expenses can still add up—especially for prescriptions, dental work, and private therapies. 💰📉 It’s surprising how much of a retiree's income can go toward health-related costs!
✨ **To prepare for this financial burden:**
1. Budget for healthcare expenses 📝
2. Consider supplemental insurance 🛡️
3. Consult with financial advisors about your unique needs 💬
Let’s explore effective strategies to ensure healthcare costs won't derail your retirement dreams! ✨🌅
https://advisor.sunlife.ca/brad.wigard/
#RetirementPlanning #HealthcareCosts #FinancialStability #Canada #RetireSmart #WealthManagement
“Healthcare costs in retirement can catch many off-guard, seriously impacting your financial stability.” ⚠️
In Canada, while we benefit from a public healthcare system, out-of-pocket expenses can still add up—especially for prescriptions, dental work, and private therapies. 💰📉 It’s surprising how much of a retiree's income can go toward health-related costs!
✨ **To prepare for this financial burden:**
1. Budget for healthcare expenses 📝
2. Consider supplemental insurance 🛡️
3. Consult with financial advisors about your unique needs 💬
Let’s explore effective strategies to ensure healthcare costs won't derail your retirement dreams! ✨🌅
https://advisor.sunlife.ca/brad.wigard/
#RetirementPlanning #HealthcareCosts #FinancialStability #Canada #RetireSmart #WealthManagement
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In the face of economic challenges, it’s important to do what you can to protect your business, your employees and your income.
Get in touch today to discuss how you can protect your business.
Get in touch today to discuss how you can protect your business.
In the face of economic challenges, it’s important to do what you can to protect your business, your employees and your income.
Get in touch today to discuss how you can protect your business.
Get in touch today to discuss how you can protect your business.
**The CPP and OAS Dilemma: Are You Getting What You Deserve?**
“When it comes to retirement, the Canada Pension Plan (CPP) and Old Age Security (OAS) are crucial—but many retirees are surprised to find they’re not receiving what they expected.” 😟
The reality is that these benefits can often fall short of covering retirees’ needs, particularly if you don’t fully grasp how to optimize your entitlements. 📉
✨ **To maximize your benefits:**
1. Understand eligibility criteria 📝
2. Know the impacts of delaying payments vs. taking them early ⏳
3. Plan your retirement strategy accordingly 📊
Let’s ensure you’re receiving all that you’ve earned as you transition into retirement! 💼✨
https://advisor.sunlife.ca/brad.wigard/
#RetirementPlanning #CPP #OAS #Canada #FinancialPreparedness #RetireSmart #WealthManagement
“When it comes to retirement, the Canada Pension Plan (CPP) and Old Age Security (OAS) are crucial—but many retirees are surprised to find they’re not receiving what they expected.” 😟
The reality is that these benefits can often fall short of covering retirees’ needs, particularly if you don’t fully grasp how to optimize your entitlements. 📉
✨ **To maximize your benefits:**
1. Understand eligibility criteria 📝
2. Know the impacts of delaying payments vs. taking them early ⏳
3. Plan your retirement strategy accordingly 📊
Let’s ensure you’re receiving all that you’ve earned as you transition into retirement! 💼✨
https://advisor.sunlife.ca/brad.wigard/
#RetirementPlanning #CPP #OAS #Canada #FinancialPreparedness #RetireSmart #WealthManagement
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From the rugged shores of Newfoundland to the majestic mountains of the west coast, our beautiful country has so much to offer.
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
From the rugged shores of Newfoundland to the majestic mountains of the west coast, our beautiful country has so much to offer.
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
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.