Resources

Helping you reach your health and wealth goals.

Let’s work together towards your financial goals while protecting what matters most to you.

Resources are great for when you’re looking for solutions at your own pace. Browse through and check out some of the tools and calculators that provide helpful insights.

Tools and calculators

Make planning for your financial future and retirement easier with some of our tools and calculators.

Life insurance calculator

Calculate how much life insurance you’ll need to help your loved ones cover financial responsibilities after you're gone. 

What you get: An estimate of the amount of coverage you need to protect those who depend on you

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CPP/QPP calculator

Find out what factors can affect your CPP/QPP payments and estimate your monthly pension income.
What you get: An estimate of your pension income at different starting ages

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Critical illness insurance

Calculate what it would cost if you became seriously ill and see how insurance can help.
What you get: An estimate of how much you would need to cover expenses if you got sick.

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Net worth calculator

What’s your net worth? Calculate the difference between what you own (your assets) and what you owe (your liabilities).
What you get: A clear picture of where you stand today to help you plan for the future.

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Retirement savings calculator

Calculate how well your retirement savings align with what you can expect to spend. 
What you get: An assessment of whether you’re saving enough to retire when and how you want.

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RRSP vs. Mortgage calculator

Should you pay off your mortgage or contribute to your RRSP? Use this simple tool to find out.
What you get: An idea of how much you would gain by putting money towards your mortgage or RRSP.

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Frequently Asked Questions

What will Higgins Financial and Insurance do for me?

We will help you establish a financial strategy that is as unique as your situation. We believe that a good plan will not only help you monitor but achieve your financial goals. We will provide you with relevant available information to help you accomplish your goal.

What is the meeting process?

Our initial complimentary meeting is simply an introduction. During this meeting, we will review your financial situation and see what your financial and insurance needs are. Please plan to bring all your current financial statements to do a through review. If you choose to work with us, we’ll schedule a follow up meeting to discuss your options depending on your personal needs.

What does Higgins Financial and Insurance expect from me?

We expect you to set personal goals, communicate these goals to us, even when they change, and to coordinate your efforts with ours to achieve those goals.

My spouse hates financial topics. Do I need to bring them to meetings?

While financial topics are exciting to us, we understand they are not exciting for everyone. Although finances are not always exciting, they are vital to the well being of your family. We encourage you to attend meetings as a couple if possible.

I am just starting to save. Do I need a plan?

Yes. If you have financial goals, you should have an advisor. The best way to determine your saving needs is to take advantage of our complimentary meeting so we can discuss your financial goals.

Is there an account minimum to work with you?

No. At Higgins Financial and Insurance, we work as a team. Even if you are a young couple starting out, it is never too early to start planning. One of our team members can get you started with a personal plan for your unique situation.

Have questions?

Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.

Let's connect

We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.