Frequently Asked Questions

At what age do I need a financial plan?

If you're within 10–15 years of retirement, this is when the biggest financial decisions get made, and the consequences matter more. It's not just about growing your money anymore. It's about turning what you've built into reliable income, minimizing taxes, and making sure it supports the lifestyle you actually want.


A proper plan connects all the pieces, investments, pensions, business income, and future withdrawals, so you're not guessing or reacting as things change. If you're starting to think seriously about retirement, we'd be happy to walk through your situation and help you create a plan that aligns with your goals.


Do I still need insurance at this stage?

For some, the need decreases; for others, the need increases. If you are a business owner, have rental properties, or have accumulated significant assets, insurance can continue to play an important role in protecting what you've built.


We assess your situation and provide recommendations based on your specific needs and goals. If you're unsure whether your current coverage still aligns with your circumstances, a review can help ensure you're appropriately protected without paying for coverage you no longer need.


Does owning a business affect my retirement plan?

Your business may be your largest asset and income source. We look at how it fits into your retirement, whether through sale, transition, or income.


We coordinate that with your personal investments and tax strategy, so all aspects of your financial life are working together. If your business is a key part of your retirement plan, it's worth exploring how today's decisions could impact your future options and retirement income.


Retirement planning doesn't have to be complicated. Sun Life One Plan helps turn your goals into a personalized financial roadmap so you can track your progress and plan for what matters most.

Ready to get started? Let's connect. https://advisor.sunlife.ca/lenz.financial/

#SunLifeOnePlan #SunLife
As we look ahead to 2027, it's a great moment to reflect. What worked financially this year? What could you improve? Taking time to review your goals helps you stay on track.

Let’s explore how we can help you map out your next steps. Ready to plan ahead? Get in touch today. https://advisor.sunlife.ca/lenz.financial/
Please note, our offices will close at 3:00pm on Fri. Oct. 9th for the Thanksgiving long weekend. We will re-open at our regular business hours on Tues. Oct. 13th.

🍂Wishing you all a happy Thanksgiving filled joy & gratitude!🍂
Business owners spend years building a successful company, but many give less thought to what happens when they're ready to step away.

Whether retirement is 5 years away or 15, having a succession strategy in place can help you identify ways to protect what you've built and preserve its value.

Let's explore ways to help prepare your business and personal finances for whatever comes next. https://advisor.sunlife.ca/lenz.financial/
Insurance isn't just about preparing for the unexpected. It's about helping protect the people, goals and plans that matter most to you.

What gives you the greatest peace of mind?
❤️ Family
🏠 Home
💼 Business
💰 Financial future

Share below, and let's discuss protection strategies tailored to your needs.
Building financial confidence doesn't always require dramatic changes.

Sometimes it's as simple as automating savings, reviewing spending habits or increasing contributions by a small amount. Consistent actions can make a difference over time.

Let's talk about practical strategies that fit your lifestyle. https://advisor.sunlife.ca/lenz.financial/
Major life changes, even positive ones, can affect your tax strategy, estate plans and long-term financial goals.

A business sale, inheritance, real estate purchase or family milestone may all impact your long-term plans.

Fall is an ideal time to revisit your goals.

Let's review what's changed and whether your strategy still reflects the financial future you have in mind. https://advisor.sunlife.ca/lenz.financial/
Investments are one part of a broader financial strategy.

They're tools that can help support retirement, education funding, travel plans, estate goals and more.

A clear strategy starts with understanding what you're investing for in the first place.

Let's connect and discuss how your investments align with your priorities.
Markets change. Priorities change. Life evolves and financial priorities often evolve with it. A review today can help keep your retirement roadmap aligned with your goals tomorrow.

Book a retirement roadmap session, and let's see where you stand.
If you could improve just one area of your business before the end of the year, what would it be?

💬 Cash flow
💬 Tax planning
💬 Growth
💬 Succession planning

Share below and reach out if you'd like to have a conversation about closing off this quarter with confidence. https://advisor.sunlife.ca/lenz.financial/
We're Hiring!

We’re looking for a Wealth Associate Advisor to join our growing team.

This is an exciting opportunity for someone who is passionate about wealth management, enjoys building strong client relationships, and is looking to grow their career as an advisor.

You’ll work closely with our experienced advisors, take an active role in client service and relationship management, and have opportunities to expand your knowledge, responsibilities, and book of business over time.

💼 Position: Wealth Associate Advisor
📍 Location: Lacombe, AB
🌱 Growth Opportunity: Career development and opportunity to grow into an advisor role
🤝 Collaboration: Work alongside our team in Lacombe, AB and in collaboration with another local Central Alberta firm

Interested in taking the next step in your wealth management career? We’d love to hear from you!

📩 Apply though Indeed:
https://ca.indeed.com/job/wealth-associate-advisor-9389089503d90c32
Coverage that made sense several years ago may no longer align with your current circumstances. A new home, growing family, career change or business milestone can all affect your insurance needs.

If it's been a while since you reviewed your coverage, this may be a good time to revisit it. Let's review your current protection strategy and make sure it still fits your needs. https://advisor.sunlife.ca/lenz.financial/
September often brings fresh routines, new schedules and a chance to reset. It's also a great time to revisit financial goals. Whether you're saving for a home, planning a family vacation or building your emergency fund.

What's one financial goal you're focusing on this fall? Let us know in the comments below. 🍂
Estate planning isn't only about passing on wealth. It's about helping ensure your wishes are understood and your loved ones are supported

Discussing your preferences and working with legal and tax professionals where needed can help provide greater clarity for you and your loved ones.

Reach out if you'd like to discuss strategies that could support your legacy goals.
More travel? Less stress? More time with family? Retirement planning involves more than saving enough money. It's about creating a life you look forward to.

What does your ideal retirement include? Share one thing in the comments. ⬇️

If you're building toward retirement, together we can review if your financial strategy is aligned with the future you envision. https://advisor.sunlife.ca/lenz.financial/
Many investors spend time trying to predict what markets will do next. Building an investment strategy aligned with your goals and time horizons may help you stay focused during changing market conditions.

Have questions about your investment strategy?

Let's chat about building a roadmap designed around your goals, timing needs and comfort level. https://advisor.sunlife.ca/lenz.financial/
You’ve invested years into building your business, but what’s your plan for what comes next?

Whether you’re thinking about stepping back, selling, or passing it on, a thoughtful strategy can help you transition your business into lasting personal and family wealth.

The earlier you start, the more options you have. Reach out to start planning your next chapter on your terms. https://advisor.sunlife.ca/lenz.financial/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection solutions help ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today. https://advisor.sunlife.ca/lenz.financial/
It’s not always about big financial moves. Sometimes it’s smaller, consistent decisions like saving, protecting, and planning that can help make the biggest difference over time. Starting early helps give you more flexibility, more options and more confidence for what’s ahead. https://advisor.sunlife.ca/lenz.financial/
Retirement looks different for everyone. Whether you’re planning to slow down, travel, or explore new passions, having a thoughtful strategy can help you get there with confidence. Explore ways to transition your savings into income that supports the lifestyle you envision. Let’s build a strategy that helps you move into retirement with clarity and confidence. https://advisor.sunlife.ca/lenz.financial/

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