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Why Your Work Disability Coverage Probably Isn’t Enough
[This data is for presentation purposes only, the information is illustrative rather than definitive]
Your group disability plan covers 60% of your income. After taxes, that might be 40-50% of your actual take-home pay.
Can you cover your mortgage, bills, and lifestyle on half your income?
Personal disability insurance tops up your group coverage, is portable if you change jobs, and pays tax-free benefits if you pay the premiums yourself.
Your income is your most valuable asset — protect it properly.
📅 Book an appointment to review your disability coverage: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
Your group disability plan covers 60% of your income. After taxes, that might be 40-50% of your actual take-home pay.
Can you cover your mortgage, bills, and lifestyle on half your income?
Personal disability insurance tops up your group coverage, is portable if you change jobs, and pays tax-free benefits if you pay the premiums yourself.
Your income is your most valuable asset — protect it properly.
📅 Book an appointment to review your disability coverage: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
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Planning that dream summer getaway? Travel insurance is your safety net. From medical emergencies to trip cancellations, the right coverage means you can explore the world with confidence. Don't let unexpected costs derail your plans. You want to be protected for every adventure. What's your next destination?
Planning that dream summer getaway? Travel insurance is your safety net. From medical emergencies to trip cancellations, the right coverage means you can explore the world with confidence. Don't let unexpected costs derail your plans. You want to be protected for every adventure. What's your next destination?
Growing your family is exciting but can also be expensive. Balancing today's costs (childcare, diapers, activities) with tomorrow's goals (education, home, experiences) takes planning. Let's build a family cash-flow roadmap that helps you save without sacrificing the moments that matter. Ready to create a strategy that works for your family? Get in touch. https://advisor.sunlife.ca/cristian.tonon
Growing your family is exciting but can also be expensive. Balancing today's costs (childcare, diapers, activities) with tomorrow's goals (education, home, experiences) takes planning. Let's build a family cash-flow roadmap that helps you save without sacrificing the moments that matter. Ready to create a strategy that works for your family? Get in touch. https://advisor.sunlife.ca/cristian.tonon
Paying Off Debt vs Investing?
Extra money in your account. Should it be put towards paying off debt or should it be invested?
Often, the best approach is a balance — pay down some debt while investing some.
📅 Book an appointment to figure out the right strategy for you: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
Often, the best approach is a balance — pay down some debt while investing some.
📅 Book an appointment to figure out the right strategy for you: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
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What Happens If You Outlive Your Money in Retirement?
What if you live to 95… but your money only lasts until 80?
Longevity risk is real. Canadians are living longer, which means retirement savings need to stretch 25-30 years or more.
Running out of money in your 80s is scarier than most financial risks because you can’t go back to work.
You need a sustainable withdrawal strategy, a diversified portfolio that keeps growing, and potentially guaranteed income sources to fill the gaps.
📅 Book an appointment to build a retirement plan that lasts as long as you do: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
Longevity risk is real. Canadians are living longer, which means retirement savings need to stretch 25-30 years or more.
Running out of money in your 80s is scarier than most financial risks because you can’t go back to work.
You need a sustainable withdrawal strategy, a diversified portfolio that keeps growing, and potentially guaranteed income sources to fill the gaps.
📅 Book an appointment to build a retirement plan that lasts as long as you do: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
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Your leisure goals matter just as much as your long-term plans. Whether it's a dream vacation or a weekend getaway, let's build a savings strategy that lets you enjoy life now while securing your future. Small contributions can add up fast. Let’s chat about options that work for you. https://advisor.sunlife.ca/cristian.tonon
Your leisure goals matter just as much as your long-term plans. Whether it's a dream vacation or a weekend getaway, let's build a savings strategy that lets you enjoy life now while securing your future. Small contributions can add up fast. Let’s chat about options that work for you. https://advisor.sunlife.ca/cristian.tonon
Using Whole Life Insurance to Offset Future Tax Liabilities
When you die, your RRSP is taxed as income at the highest rate.
If you have a large RRSP, your estate could owe hundreds of thousands in taxes before anything goes to your beneficiaries.
Whole life insurance pays a tax-free death benefit that can cover that tax bill.
Your family gets the full estate without liquidating assets or paying out of pocket.
It’s not just about replacing income — it’s about protecting wealth transfer.
📅 Book an appointment to explore estate tax strategies: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
If you have a large RRSP, your estate could owe hundreds of thousands in taxes before anything goes to your beneficiaries.
Whole life insurance pays a tax-free death benefit that can cover that tax bill.
Your family gets the full estate without liquidating assets or paying out of pocket.
It’s not just about replacing income — it’s about protecting wealth transfer.
📅 Book an appointment to explore estate tax strategies: 👉 https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
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Changing jobs or wrapping up your career? It's the perfect time to review your investments and benefits. Let's talk about transitioning your group investments smoothly and planning your next chapter. Whether it's consolidating accounts or adjusting your strategy, we're here to help.
https://www.sunlife.ca/en/choices/leaving-group-investments/
#CareerTransition #InvestmentPlanning
https://www.sunlife.ca/en/choices/leaving-group-investments/
#CareerTransition #InvestmentPlanning
Help make money discussions in your family normal. Simple conversations can help build strong habits. Get in touch for age-appropriate tips for your kid(s). Ask for our family finance checklist.
#FamilyFinances #FinancialLiteracy
#FamilyFinances #FinancialLiteracy
Help make money discussions in your family normal. Simple conversations can help build strong habits. Get in touch for age-appropriate tips for your kid(s). Ask for our family finance checklist.
#FamilyFinances #FinancialLiteracy
#FamilyFinances #FinancialLiteracy
Your Life Insurance Disappeared and You Don't Know It
You just left your job. Your paycheque stopped.
But so did something else you probably forgot about — your life insurance.
Most people have 1-2x their salary in group life coverage through work. Feels like enough, so they never think about it. But the second you leave, the coverage is gone.
And if your health changed since you started? Good luck qualifying for new coverage.
Group insurance is a benefit. Personal insurance is a plan. Big difference.
DM me if you only have coverage through work — I'll tell you what to look for.
But so did something else you probably forgot about — your life insurance.
Most people have 1-2x their salary in group life coverage through work. Feels like enough, so they never think about it. But the second you leave, the coverage is gone.
And if your health changed since you started? Good luck qualifying for new coverage.
Group insurance is a benefit. Personal insurance is a plan. Big difference.
DM me if you only have coverage through work — I'll tell you what to look for.
Watch video
Life insurance helps ensure your family can maintain their lifestyle, pay off debts and fund future goals even after you die. Simple, affordable coverage can make all the difference. Message me for a personalized coverage estimate. https://advisor.sunlife.ca/cristian.tonon
Life insurance helps ensure your family can maintain their lifestyle, pay off debts and fund future goals even after you die. Simple, affordable coverage can make all the difference. Message me for a personalized coverage estimate. https://advisor.sunlife.ca/cristian.tonon
Short‑, mid‑ and long‑term goals — consider organizing into a Sun Life One Plan so you can act with more confidence. Let’s get started on your #SunLifeOnePlan.
Message me for details. https://advisor.sunlife.ca/cristian.tonon
Message me for details. https://advisor.sunlife.ca/cristian.tonon
Short‑, mid‑ and long‑term goals — consider organizing into a Sun Life One Plan so you can act with more confidence. Let’s get started on your #SunLifeOnePlan.
Message me for details. https://advisor.sunlife.ca/cristian.tonon
Message me for details. https://advisor.sunlife.ca/cristian.tonon
Should You Trust a Robo-Advisor?
Robo-advisors charge less. They're easy to set up.
But when markets crash 20% and you're staring at your phone at 2 AM — can an algorithm talk you off the ledge?
A robo picks investments based on a questionnaire and rebalances automatically. That's it. No tax planning. No insurance review. No behavioral coaching.
A financial advisor builds a plan around your entire life — not just your portfolio. We're the person who tells you to stay invested when everyone else is selling.
If your finances are simple, a robo is fine. If your life is more complex — family, property, insurance, taxes — you need a human.
Which do you use? Comment below. Follow for honest money talk.
But when markets crash 20% and you're staring at your phone at 2 AM — can an algorithm talk you off the ledge?
A robo picks investments based on a questionnaire and rebalances automatically. That's it. No tax planning. No insurance review. No behavioral coaching.
A financial advisor builds a plan around your entire life — not just your portfolio. We're the person who tells you to stay invested when everyone else is selling.
If your finances are simple, a robo is fine. If your life is more complex — family, property, insurance, taxes — you need a human.
Which do you use? Comment below. Follow for honest money talk.
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Child Insurance Policies — Smart Planning or Unnecessary?
Should you buy life insurance for your kids?
Before you say no, here's what most people don't realize:
1️⃣ It locks in their insurability for life — even if they develop a health condition at 18 or 25
2️⃣ It builds cash value they can access as adults for school, a home, or starting a business
3️⃣ It's incredibly cheap when they're young
Think of it less like insurance and more like a financial gift that grows with them.
It's not for everyone. But if you're thinking long-term about your kids' financial future, it's worth knowing about.
Would you do this for your kids? Comment yes or no — I want to hear your take.
Before you say no, here's what most people don't realize:
1️⃣ It locks in their insurability for life — even if they develop a health condition at 18 or 25
2️⃣ It builds cash value they can access as adults for school, a home, or starting a business
3️⃣ It's incredibly cheap when they're young
Think of it less like insurance and more like a financial gift that grows with them.
It's not for everyone. But if you're thinking long-term about your kids' financial future, it's worth knowing about.
Would you do this for your kids? Comment yes or no — I want to hear your take.
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One Missing Form Could Cost Your Family Thousands
Your family could lose thousands of dollars from your investments because of one form you never filled out.
If you don't name beneficiaries on your RRSP, TFSA, and RRIF, the money doesn't automatically go to your spouse or kids. It gets sucked into your estate, goes through probate, and your family pays legal fees, delays, and higher taxes.
Naming a beneficiary takes 10 minutes. It means the money bypasses your estate and goes straight to your loved ones.
But life changes. Marriages, divorces, new kids — if your forms are outdated, the wrong person could get your money.
10 minutes of paperwork now saves your family months of stress later.
Save this. Share it with your partner. When's the last time you checked yours?
If you don't name beneficiaries on your RRSP, TFSA, and RRIF, the money doesn't automatically go to your spouse or kids. It gets sucked into your estate, goes through probate, and your family pays legal fees, delays, and higher taxes.
Naming a beneficiary takes 10 minutes. It means the money bypasses your estate and goes straight to your loved ones.
But life changes. Marriages, divorces, new kids — if your forms are outdated, the wrong person could get your money.
10 minutes of paperwork now saves your family months of stress later.
Save this. Share it with your partner. When's the last time you checked yours?
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The Insurance Most Canadians Forget About
$6,000 a month. That's what long-term care can cost in Canada. And most families don't plan for it until it's too late.
Critical illness insurance pays a lump sum on diagnosis — cancer, stroke, heart attack. Long-term care insurance covers the actual monthly costs when someone can't live independently.
Government programs won't cover this. Your savings probably won't either.
The families who handle this well? They planned for it before they needed to.
Save this for your parents. DM me if you want to know what coverage actually looks like.
Critical illness insurance pays a lump sum on diagnosis — cancer, stroke, heart attack. Long-term care insurance covers the actual monthly costs when someone can't live independently.
Government programs won't cover this. Your savings probably won't either.
The families who handle this well? They planned for it before they needed to.
Save this for your parents. DM me if you want to know what coverage actually looks like.
Watch video
The RRSP Withdrawal Trap To Avoid
You pull $50,000 out of your RRSP.
Only $25,000 hits your bank account.
Here's how that happens:
The bank withholds 30% immediately on anything over $15,000. That's $15,000 gone before you see it. Then at tax time, the full $50K gets added to your income — pushing you into a higher bracket.
The fix? Don't pull large amounts all at once. Spread withdrawals over multiple years. Convert to a RRIF strategically. Coordinate with your other income sources.
Your RRSP is your money. But the CRA gets their cut. The question is how much you let them take.
Save this before you make a withdrawal you regret. Share it with anyone sitting on a big RRSP.
Only $25,000 hits your bank account.
Here's how that happens:
The bank withholds 30% immediately on anything over $15,000. That's $15,000 gone before you see it. Then at tax time, the full $50K gets added to your income — pushing you into a higher bracket.
The fix? Don't pull large amounts all at once. Spread withdrawals over multiple years. Convert to a RRIF strategically. Coordinate with your other income sources.
Your RRSP is your money. But the CRA gets their cut. The question is how much you let them take.
Save this before you make a withdrawal you regret. Share it with anyone sitting on a big RRSP.
Watch video
You Can Be Denied Life Insurance...
Think you can get life insurance whenever you want?
Not always.
Pre-existing conditions like diabetes or heart disease can mean higher premiums or flat-out denial. Mental health history, certain medications, even your hobbies — skydiving, scuba diving, motorcycles — all factor in.
Smoking? Your rates could be 2-3x higher. Dangerous occupation? Same thing.
The window to lock in affordable coverage is when you're young and healthy. Once something changes, you can't go back.
Don't wait until you need it to find out you can't get it.
Save this. Share it with someone who's been putting it off.
Not always.
Pre-existing conditions like diabetes or heart disease can mean higher premiums or flat-out denial. Mental health history, certain medications, even your hobbies — skydiving, scuba diving, motorcycles — all factor in.
Smoking? Your rates could be 2-3x higher. Dangerous occupation? Same thing.
The window to lock in affordable coverage is when you're young and healthy. Once something changes, you can't go back.
Don't wait until you need it to find out you can't get it.
Save this. Share it with someone who's been putting it off.
Watch video
$500/mo to Invest — Here's Exactly Where It Goes
$500 a month. 6 accounts screaming for your money.
Here's the exact priority order:
1️⃣ Get your employer RRSP match — that's free money
2️⃣ If buying a first home, max the FHSA for the double tax benefit
3️⃣ Build your emergency fund in a TFSA for flexible, tax-free access
4️⃣ RRSP if you're in a higher bracket for the tax deduction
5️⃣ RESP if you have kids — government matches 20%
6️⃣ Fill up remaining TFSA room
The right order depends on your income, goals, and timeline. But having a priority list means your money works harder.
Comment your age and I'll tell you which account to prioritize first. Save this for reference.
Here's the exact priority order:
1️⃣ Get your employer RRSP match — that's free money
2️⃣ If buying a first home, max the FHSA for the double tax benefit
3️⃣ Build your emergency fund in a TFSA for flexible, tax-free access
4️⃣ RRSP if you're in a higher bracket for the tax deduction
5️⃣ RESP if you have kids — government matches 20%
6️⃣ Fill up remaining TFSA room
The right order depends on your income, goals, and timeline. But having a priority list means your money works harder.
Comment your age and I'll tell you which account to prioritize first. Save this for reference.
Watch video
Why 'Buy Term and Invest the Difference' Doesn't Always Work
"Buy term and invest the difference" sounds smart in theory... but fails for most people in reality.
Here's why: most people don't actually invest the difference — they spend it.
Plus, term insurance expires. If you still need coverage in your 60s or 70s, renewing becomes prohibitively expensive or unavailable.
There's no one-size-fits-all answer. Term, permanent, or a mix — it depends on your goals and discipline.
📅 Book an appointment to figure out what's right for you:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
Here's why: most people don't actually invest the difference — they spend it.
Plus, term insurance expires. If you still need coverage in your 60s or 70s, renewing becomes prohibitively expensive or unavailable.
There's no one-size-fits-all answer. Term, permanent, or a mix — it depends on your goals and discipline.
📅 Book an appointment to figure out what's right for you:
https://advisor.sunlife.ca/cristian.tonon/
FOLLOW me on IG 👉 @cristian.tonon.sunlife
Watch video
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.