Aspire Financial Services Inc.
Languages spoken: English
Secure your future and finances
For professionals, business owners and families thinking about retirement, and those already retired, financial security is top of mind. And it should be. You may have challenges around tax minimization, or protecting your investments.
How do you protect your investments and make sure your family is secure? Aspire Financial Services Inc. is here to help. We have a reliable team focused on helping professionals just like you. We know your world. Thinking about retirement or living in it now? There are opportunities that can help you to get the freedom and security you aspire to achieve.
At Aspire, we understand the importance of achieving your goals, supporting your loved ones and embracing the life you deserve. That’s why we developed the Achiever Program™ to help you launch your vision into a reality.
Do you aspire for the freedom to pursue your goals and ensure financial security?
Denise Weretyk felt so strongly about guiding business owners, professionals and families along this journey that she founded Aspire Financial Services.
We challenge, motivate and inspire Clients to take their financial strategy to the next level.
We partner with Clients to inspire them to rise above expectations and make those goals a reality.

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Health insurance products
Life insurance products
Saving, budgeting and investing
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See more articlesScript: 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.
1. Have my financial goals changed?
2. Do I have a diversified portfolio?
3. How comfortable am I with risk?
You may be better off staying the course and sticking to your original plan if: Your goals haven't changed, and You have a diversified portfolio. Remember, history tells us that markets grow over the long term. Still worried? Let’s chat.