Tidal Bore Financial Solutions Ltd.
Job title: Financial Planner
Area(s) served: Greater Moncton area, greater Halifax area
Trustworthy advice you can count on
Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.
Who we service
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Business owners general
Incorporated professionals
Pre-retirees and retirees
Let's work together
I can help you set and reach your goals. With a thorough plan and strategies to assist, it’s possible to reach your financial dreams. I help:
- young professional families set themselves up for financial success and
- create a retirement plan for people nearing retirement.
I’m located in Moncton, New Brunswick and serve the surrounding areas either in-person or virtually. I also work with Clients from Halifax, Nova Scotia and surrounding areas, virtually. Contact my office to book your appointment.
What you can expect
When we begin working together we’ll start with an introductory meeting. I want you to be confident that I’m the right advisor for you. This is our chance to talk about your needs and expectations.
Once I understand your needs, I’ll begin collecting some information to help develop your unique plan. We’ll discuss your plan and my recommendations. I want you to thoroughly understand your options so you can make good decisions for your future.
I’m with you through every step of the way. Once your plan is in place, I’m here to help you stay on track with your goals. We’ll also adjust your plan as needed.
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
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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.
How to estimate when your money will double – ‘The rule of 72’
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.