Defazio-Campos Financial Services Inc
Languages spoken: English
Area(s) served: British Columbia
Trustworthy advice you can count on
Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.
Let's work together
At Defazio-Campos Financial Services Inc., we provide financial advice for British Columbians. Our goal is to improve lives, create new possibilities, and transform the way resources are managed.
We work with families and businesses across British Columbia. We want you to thrive in your potential, and feel empowered by the stability of a secure financial future.
Our office is in Pitt Meadows, British Columbia. Contact us today to book your appointment.
Our values
Unconditional integrity
We are honest, hardworking and compelled to do the right thing for Clients.
Provident service
We provide thoughtfully for the future needs of Clients, placing their interests ahead of our own.
Masterful planning
We develop personalized solutions that aim to exceed expectations to achieve Clients’ goals.
Cultivating education
We have an ongoing commitment to expand our knowledge and share it with Clients.
Engaging the community
We nurture our deep roots, seek opportunities to give back and build meaningful relationships.
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
For us, it’s personal
At DCFS, we are passionate about service. We strive to create a personal connection with every Client rooted in trust and open communication. We embrace inclusivity, and are proud to offer financial planning to everyday Canadians. We understand and respect the responsibility that comes with being your trusted Advisors.
We ask thoughtful questions and intently listen before we make suggestions. We intend to create a safe, secure, and sustainable financial future for everyone who walks through our doors. We believe in ongoing education. We embrace innovation, continually improving the way we service Clients.
We believe in the cumulative effect of making small, incremental changes. Small, achievable actions add up over time to deliver true financial freedom for regular people just like us. We genuinely care about each other and work to make sure we all get what we need while feeling safe.
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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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