Financial planning services
Investment – Do you want to build your wealth? I can help make your money work harder for you with investment options that fit your goals.
Risk management – You never know what will happen in life. I can help you protect yourself, your assets and your business from the unexpected.
Tax planning – I’ll analyze your finances to help make all elements work together so you can be tax efficient.
Services
Business continuity & succession planning
Let’s create a plan so you don’t have to worry about what will happen to your business and your finances when you are ready to move on.
Estate & Financial planning services
Lifetime financial security. Let’s create a plan that will help take care of everything when you no longer can.
Tax planning
At tax time, let’s make sure you are using your money correctly so you can be tax efficient.
Business owners
Spend more time running your business and less time worrying about your business. A strong strategy can get you there.
Business owner insurance
Whether you’re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family.
Business Savings
The needs of small businesses are as unique as the people running them. That’s why we’ve created a variety of savings plans with the features that matter most to businesses.
RRSPs for Business Owners
Your business may produce surplus above what is needed for your business or personal lifestyle. You can either retain in the corporation or remove and invest personally. Maximizing your RRSPs makes sense for most business owners given a sufficient time horizon.
TFSAs for Business Owners
Your corporation may produce surplus above what is needed for your business or personal lifestyle. If you want to save the surplus for future use TFSA’s may be a good solution, depending on your time horizon and current and future tax brackets.
Health insurance products
Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.
Personal and family health insurance
A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.
Disability Insurance
Disability insurance (DI) is a type of health insurance. It helps protect you financially by replacing a portion of your income. You receive a benefit if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.
Critical illness insurance
Critical illness insurance (CII) is a type of health insurance. CII coverage can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses like cancer, stroke, heart attack and dementia.
Travel insurance
Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Dental insurance
Dental insurance, included in a personal health insurance plan from Sun Life, can help you manage dental costs including cleanings, braces, crowns and more.
Long term care insurance
Long term care insurance from Sun Life provides an income-style benefit if you become unable to care for yourself due to aging, a serious accident, severe illness or deteriorated mental abilities.
Saving, budgeting and investing
Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
RRIF (Registered retirement income fund)
An investment account that pays you income during retirement. You can transfer tax-sheltered funds from registered Canadian accounts such as RRSPs, registered pension plans and other RRIFs into a RRIF.
LIF (Life income fund)
A registered account designed to pay you income from your locked-in pension assets. These assets can’t be taken out all at once, since a LIF is meant to provide retirement income throughout your life.
RRSP (Registered retirement savings plan)
A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
TFSA (Tax-free savings account)
A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
RESPs (Registered education savings plan)†
A tax-deferred account to help you save for a child’s or grandchild’s post-secondary education. Anyone can open a RESP and contribute money at any time, up to a lifetime total of $50,000 per child. Contributions aren’t tax deductible, but any investment income earned within the plan will be taxed only when it’s withdrawn.
GICs (Guaranteed investment product)**
Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Mutual funds†
A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Segregated funds
Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
LIRA (Locked-in retirement account)
A registered account designed to hold and invest pension assets that you and your former employers contributed to. Investments within the LIRA grow tax-deferred – this means you won’t have to pay taxes on investment growth until you withdraw funds.
FHSA (First Home Savings Account)
The Tax-Free First Home Savings Account (FHSA) is a registered investment account that allows Canadian residents to save for their first home purchase.
†Mutual funds distributed through Sun Life Financial Investment Services (Canada) Inc.
**Sun Life Financial Trust Inc. is the issuer of Sun GIC Max and Guaranteed Investment Certificates. Sun Life Financial Trust Inc. is a member of Canada Deposit Insurance Corporation (CDIC). An Insurance GIC is an accumulation annuity issued by Sun Life Assurance Company of Canada.
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.