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2025-08-06T23:00:00
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2025-08-07T00:00:00
Living your retirement plan
We will discuss:
• What retirement looks like today
• What does retirement mean to you?
• Sources of income at retirement
• Next steps: protect your retirement savings and prepare your legacy

From the rugged shores of Newfoundland to the majestic mountains of the west coast, our beautiful country has so much to offer.
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

How to make retirement savings last
Boost your knowledge with this helpful article.
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
Exciting news! Sun Life launched a new GenAI-powered Notes Assistant tool for advisors.
Powered by GenAI, this tool efficiently and safely summarizes Client meetings and outlines action items. As an advisor, this allows me to spend less time taking notes, and more time on what matters most – helping Clients achieve lifetime financial security and live healthier lives.
This is one example of how Sun Life is embracing the power of technology to make life brighter for advisors and Clients.
Want to learn how this can benefit your financial journey? Let's chat about your goals and how I can help you achieve them.
Transcript: Say hello to Sun Life’s new Notes Assistant created for advisors powered by GenAI. Key features: Meeting summaries, Action items, Draft emails. 100% of advisors saved over 15 minutes per meeting. 65% of advisors saved over 30 minutes per meeting. Harnessing GenAI so advisors can spend less time on note taking and more time helping Clients achieve lifetime financial security and live healthier lives.
Powered by GenAI, this tool efficiently and safely summarizes Client meetings and outlines action items. As an advisor, this allows me to spend less time taking notes, and more time on what matters most – helping Clients achieve lifetime financial security and live healthier lives.
This is one example of how Sun Life is embracing the power of technology to make life brighter for advisors and Clients.
Want to learn how this can benefit your financial journey? Let's chat about your goals and how I can help you achieve them.
Transcript: Say hello to Sun Life’s new Notes Assistant created for advisors powered by GenAI. Key features: Meeting summaries, Action items, Draft emails. 100% of advisors saved over 15 minutes per meeting. 65% of advisors saved over 30 minutes per meeting. Harnessing GenAI so advisors can spend less time on note taking and more time helping Clients achieve lifetime financial security and live healthier lives.
Watch video

Ways to give money to grandchildren who have maxed out their RESPs
Ways to give money to grandchildren who have maxed out their RESPs
Let's talk https://advisor.sunlife.ca/joe.ferreyro/
Let's talk https://advisor.sunlife.ca/joe.ferreyro/
Exciting news! Sun Life launched a new GenAI-powered Notes Assistant tool for advisors.
Powered by GenAI, this tool efficiently and safely summarizes Client meetings and outlines action items. As an advisor, this allows me to spend less time taking notes, and more time on what matters most – helping Clients achieve lifetime financial security and live healthier lives.
This is one example of how Sun Life is embracing the power of technology to make life brighter for advisors and Clients.
Want to learn how this can benefit your financial journey? Let's chat about your goals and how I can help you achieve them.
Powered by GenAI, this tool efficiently and safely summarizes Client meetings and outlines action items. As an advisor, this allows me to spend less time taking notes, and more time on what matters most – helping Clients achieve lifetime financial security and live healthier lives.
This is one example of how Sun Life is embracing the power of technology to make life brighter for advisors and Clients.
Want to learn how this can benefit your financial journey? Let's chat about your goals and how I can help you achieve them.

Happy Canada Day!
Today we celebrate the beauty, diversity, and strength of our great country.
Wishing you a day filled with joy, pride, and time well spent with loved ones.
🍁 #CanadaDay #ProudToBeCanadian #Grateful #Celebration
Today we celebrate the beauty, diversity, and strength of our great country.
Wishing you a day filled with joy, pride, and time well spent with loved ones.
🍁 #CanadaDay #ProudToBeCanadian #Grateful #Celebration

Ditch these 7 investing myths to invest like a pro
Many beginner investors may be falling for these investment myths, which can lead to bad financial decisions, limit their ability to grow wealth over time and even discourage them from entering the market.
https://advisor.sunlife.ca/joe.ferreyro/
https://advisor.sunlife.ca/joe.ferreyro/
How much life insurance is the right amount? Let’s set up some time to discuss the details such as how long you need it and what kind might be right for you. You can walk out feeling more confident and educated on your options.
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.
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.
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Have you made a mistake or need to change your tax return? Here’s how
Have you made a mistake or need to change your tax return? Here’s how
https://advisor.sunlife.ca/joe.ferreyro/
https://advisor.sunlife.ca/joe.ferreyro/

58% of Ontario workers say retirement planning includes considering physical, mental health: survey
More than half (58 per cent) of Ontario employees say retirement planning should go beyond financial wellness and encompass physical and mental health and social connections, according to a new survey by the Ontario Municipal Employees Retirement System.

Worried about the transition to retirement? How volunteering can boost well-being
When Ginny Barton’s husband passed away, she started volunteering to keep busy. By teaching others to knit, she gained a new sense of community
Let's talk https://advisor.sunlife.ca/joe.ferreyro/
Let's talk https://advisor.sunlife.ca/joe.ferreyro/

How cryptocurrencies work and what investors need to know
Boost your knowledge with this helpful article.
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.

Tax-saving ideas for retired couples in Canada
Check out this new resource I found!
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.

👔 Happy Father’s Day!
Today we celebrate the strength, wisdom, and love that fathers and father figures bring into our lives every day.
Thank you for the guidance, the dad jokes, and the quiet support that means the world. 💙
Wishing all the amazing dads a day full of love, laughter, and appreciation.
#HappyFathersDay #ThankYouDad #FathersDay2025
Today we celebrate the strength, wisdom, and love that fathers and father figures bring into our lives every day.
Thank you for the guidance, the dad jokes, and the quiet support that means the world. 💙
Wishing all the amazing dads a day full of love, laughter, and appreciation.
#HappyFathersDay #ThankYouDad #FathersDay2025

Couple wonders: Start investing or stick with rental income to build nest egg?
Should we start investing, or stay focused on building our real estate portfolio? This is the question British Columbia-based Jennifer and Roland are trying to answer.
Let's have a talk https://advisor.sunlife.ca/joe.ferreyro/
Let's have a talk https://advisor.sunlife.ca/joe.ferreyro/

Being a mother impacted women's financial goals: TD | Investment Executive
Younger families more likely to spend more than half their discretionary budget on the kids. Over 7 in 10 (72%) mothers said caretaking responsibilities — either for children or adult relatives — impacted their ability to achieve long-term financial goals.

How should young Canadians invest in bonds? - MoneySense
For young investors who are building the fixed-income portion of their portfolio, it’s best they keep their approach simple and go for low-cost investment options, experts say.
We are here to help https://advisor.sunlife.ca/joe.ferreyro/
We are here to help https://advisor.sunlife.ca/joe.ferreyro/

Sustainable finance initiative aims to bring climate transition plans back to the fore | Investment Executive
Sustainable finance experts have launched a new initiative to encourage Canadian financial institutions and companies to develop and follow through on credible climate transition plans, measures they say will ensure Canada’s competitiveness and resilience in the global economy.
Let's chat https://advisor.sunlife.ca/joe.ferreyro/
Let's chat https://advisor.sunlife.ca/joe.ferreyro/

We are pleased to invite you to our upcoming webinar, “Managing Your Savings,” designed to help you make the most of your hard-earned money and build a stronger financial future.
Webinar Details:
Date: Wednesday 4th June at 7:00 PM ET (US and Canada)
In this insightful session, you’ll learn:
• Strategies to grow and protect your savings.
• Tips for balancing short-term needs and long-term goals.
• Tools to optimize your financial planning.
Register Now to Reserve Your Spot
https://sunlife-ca.zoom.us/webinar/register/WN_xjsJjFJFTwKEAIKxOTVN3g
Webinar Details:
Date: Wednesday 4th June at 7:00 PM ET (US and Canada)
In this insightful session, you’ll learn:
• Strategies to grow and protect your savings.
• Tips for balancing short-term needs and long-term goals.
• Tools to optimize your financial planning.
Register Now to Reserve Your Spot
https://sunlife-ca.zoom.us/webinar/register/WN_xjsJjFJFTwKEAIKxOTVN3g
What happens when you withdraw money from your RRSP early?
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. 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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