Financial solutions designed for every stage of wealth

As life changes, financial priorities evolve. Building wealth, protecting a growing family, preparing for retirement, managing a successful business, and planning a legacy all require different strategies at different stages of life.


I work with incorporated business owners, physicians, professionals, retirees, and families across Ontario to help simplify financial complexity and create greater confidence in important decisions. Rather than treating investments, retirement planning, tax considerations, insurance needs, and estate planning as separate issues, we take a coordinated approach that considers how each part of your financial life works together.


My focus is helping Clients make informed decisions around retirement income planning, investment management, wealth preservation, tax-efficient strategies, insurance planning, employee benefits, business succession planning, and estate planning. By understanding what matters most to each Client, I develop strategies that align with their goals, values, and long-term vision.

Whether you are growing your wealth, preparing for retirement, or planning for future generations, our services are designed to provide guidance and support throughout your journey.


Explore the services below to learn how we can help support your financial goals.

Services

Estate & Financial planning services

Lifetime financial security. Let’s create a plan that will help take care of everything when you no longer can.

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Financial planning

A solid financial plan is important. Let’s create a plan that incorporates investment planning, tax planning, risk management and a retirement strategy.

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Life and health insurance

Protect what matters most to you so can feel prepared no matter what life throws your way.

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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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.
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Life insurance products

Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.

Whole life insurance

A type of permanent life insurance that gives your beneficiaries a tax-free payment after you die (called a death benefit). Your beneficiaries can use the money from the death benefit any way they want.
While some life insurance plans offer coverage for a specific amount of time, whole life insurance has no time limit because it covers you throughout your life. So you don’t have to worry about your coverage expiring or renewing your policy.
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Participating life insurance

Participating life insurance (also called par insurance) is a contract that offers three important features: lifetime insurance, cash-value growth and a chance to earn policy dividends.
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Term life insurance

An affordable life insurance policy that gives you financial protection for a certain period of time. If you die while your policy is still active, then your beneficiaries receive a lump-sum, tax-free payment (called the death benefit). They can use this money any way they please.
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Permanent Life Insurance

A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
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Universal life insurance

The most flexible types of permanent life insurance for Canadian residents.
It offers key financial planning features such as lifelong protection that never expires and opportunities for tax-preferred savings growth.
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Mortgage protection insurance

Mortgage protection insurance is a life insurance policy that covers more than just your mortgage payments. With mortgage protection insurance, you can help protect your family’s finances and secure their future.

Mortgage protection insurance

Thinking of buying a new home? Your mortgage lender may offer the option of buying mortgage insurance (also known as creditor insurance). But do you really need it? Or do you need mortgage protection insurance instead?
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Saving, budgeting and investing

Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.

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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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†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.

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