DLF Financial Services Inc.
Job title: It all starts with great advice!
Big-picture financial planning for business owners, professionals and their families.
Who we service
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Business owners general
Families
Pre-retirees and retirees
Financial planning in Alberta, Saskatchewan and British Columbia
Let’s assess your goals and create a custom financial plan that helps you achieve them. Whether you are just starting out, ready for retirement or somewhere in between, we can assist. Our team has the experience and knowledge to help you grow your wealth while protecting what matters most.
Our office is in Medicine Hat, Alberta. We offer in-person appointments at our office and virtual appointments throughout Alberta, Saskatchewan and British Columbia. Contact our office to book an appointment.
By your side, guiding your financial journey
At DLF Financial Services Inc., we believe financial planning should bring clarity, comfort, and confidence, not confusion or pressure. That’s why we focus on education and empowerment, helping Clients truly understand their options so they can make decisions that support their life, values, and future.
Trust is at the heart of everything we do. From day one, our team works together to protect what matters most and provide continuity through every stage of life. Our logo symbolizes the strength of a bird and its nest, reflecting the care, protection, and long-term vision we bring to every relationship. We guide, plan, and help protect so Clients can confidently make big life decisions, protect their families, plan for retirement, and experience a deeper sense of security.
With a team you can count on, and a plan built for real life, supported by the clarity of big-picture vision, we are here to guide your journey through life’s milestones and moments.
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
The value is in the full picture.
Many Clients begin with one need in mind such as investments, insurance, or retirement, without realizing how connected every part of their financial life truly is.
At DLF, we are advisors who see the full picture. From protection planning to investment strategy, education is at the heart of everything we do. We take the time to explain how it all fits together so you can make confident decisions and understand the value of each one along the way.
Whether you are a business owner, a farmer, a professional, or working in oil and gas, we customize our planning to your goals, your lifestyle, and your stage of life.
Planning with us is meant to feel approachable, warm, and clear. Like a nest, it is a place where your goals can take shape, supported, protected, and free to grow.
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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
Script: How much life insurance is the right amount? Simply put, the amount of life insurance you need depends on your unique situation. A good place to start is to figure out how much life insurance you may need… how long you need it for… and what kind might be right for you. Let’s look at an example: Jackie is 33 years old… and has two kids. She has four goals for her life insurance: Leave money to her family to pay off her mortgage. Top up her kids’ registered education savings plans. Pay off her student loans. And, replace her income for 10 years. Based on these goals, Jackie is looking at a 1-million-dollar life insurance policy. If she died, her family could choose to use the insurance payout to: Put 300-thousand dollars toward the mortgage. Add 60-thousand dollars to the kids’ RESPs. Pay off her 40-thousand-dollar student loan. And… cover the family’s ongoing costs with the remaining 600-thousand dollars. How much do life insurance payments cost per month? In Jackie’s case, a 1-million-dollar, 30-year term policy for a non-smoking, 33-year-old woman… could cost about 80-dollars per month. For a man of the same age, it’s closer to 110-dollars per month. How long do you need your coverage to last? For a younger person… or a couple with debt and a mortgage, a 30-year policy or longer may be suitable. For someone in their forties… with little debt and a small mortgage… a 20-year policy might be the right fit. What are your options? Your employer may offer life insurance through your employee benefits. But… it may not be enough. And you can lose that coverage if you change employers. You may want to consider more life insurance. In which case, you have two types to choose from: Term life insurance. And… permanent life insurance. Any amount of life insurance can help give your loved ones some financial security when you die. Your unique situation will inform the amount and type of insurance you need. For more tips and tools, visit sunlife.ca.
1. You’ll miss out on the advantages of compound interest.
2. You'll have to pay tax on your RRSP withdrawals.
3. You’ll permanently lose RRSP contribution room.
If you need cash to deal with an unexpected expense, reach out and we can figure out the right strategy for you.
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