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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
Money worries can affect both your physical and mental health. Taking control of your finances can help you feel better.
Here’s how to get there >> https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/stay-healthy-with-smart-financial-planning/
Here’s how to get there >> https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/stay-healthy-with-smart-financial-planning/
Money worries can affect both your physical and mental health. Taking control of your finances can help you feel better.
Here’s how to get there >> https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/stay-healthy-with-smart-financial-planning/
Here’s how to get there >> https://www.sunlife.ca/en/tools-and-resources/money-and-finances/managing-your-money/stay-healthy-with-smart-financial-planning/
Help optimize your assets through tax-efficient strategies and maximize retirement benefits with a personalized financial roadmap. Are you ready to elevate your investment plans? Let's connect to create a strategy aligned with your current goals.
#WealthManagement #FinancialRoadmap
#WealthManagement #FinancialRoadmap
Help optimize your assets through tax-efficient strategies and maximize retirement benefits with a personalized financial roadmap. Are you ready to elevate your investment plans? Let's connect to create a strategy aligned with your current goals.
#WealthManagement #FinancialRoadmap
#WealthManagement #FinancialRoadmap
Nurture their dreams, cultivate their potential and grow their education fund. With an RESP you can watch your child's future bloom. From government grants to tax-sheltered growth, discover how RESPs can help your children's future flourish.
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
Nurture their dreams, cultivate their potential and grow their education fund. With an RESP you can watch your child's future bloom. From government grants to tax-sheltered growth, discover how RESPs can help your children's future flourish.
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
Learn more about RESPs: https://www.sunlife.ca/en/investments/resp/how-to-set-child-up-for-financial-success/
Ready to take control of your retirement in just 5 minutes?
Sun Life One Plan is a powerful tool to help you:
✅ Create a quick retirement plan
✅ Set achievable retirement goals
✅ Estimate your retirement age and income
Your path to your ideal retirement begins here. Reach out to get started.
#RetirementPlanning #FinancialFuture #SunLifeOnePlan
Sun Life One Plan is a powerful tool to help you:
✅ Create a quick retirement plan
✅ Set achievable retirement goals
✅ Estimate your retirement age and income
Your path to your ideal retirement begins here. Reach out to get started.
#RetirementPlanning #FinancialFuture #SunLifeOnePlan
Ready to take control of your retirement in just 5 minutes?
Sun Life One Plan is a powerful tool to help you:
✅ Create a quick retirement plan
✅ Set achievable retirement goals
✅ Estimate your retirement age and income
Your path to your ideal retirement begins here. Reach out to get started.
#RetirementPlanning #FinancialFuture #SunLifeOnePlan
Sun Life One Plan is a powerful tool to help you:
✅ Create a quick retirement plan
✅ Set achievable retirement goals
✅ Estimate your retirement age and income
Your path to your ideal retirement begins here. Reach out to get started.
#RetirementPlanning #FinancialFuture #SunLifeOnePlan
Are you financially prepared for a critical illness? Sun Life's Critical Illness Insurance Calculator can help you assess your needs. In just a few minutes, you can estimate how much coverage you might need to protect yourself and your loved ones.
Try it out today >> https://www.sunlife.ca/en/tools-and-resources/tools-and-calculators/critical-illness-insurance-calculator/
Try it out today >> https://www.sunlife.ca/en/tools-and-resources/tools-and-calculators/critical-illness-insurance-calculator/
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Making a lot of money is one thing, but ensuring it lasts a lifetime is another.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat!
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat!
Making a lot of money is one thing, but ensuring it lasts a lifetime is another.
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat!
It’s important to think about investing and insurance in a holistic way to help your money go further.
Let’s chat!
Does a single advice fit everyone?
- a single individual in her early 20s with an income of $70k.
- a couple in their mid 30s raising 2 children, earning a combined income of $170k.
- A couple in their 40s, with no children, with a combined income of $210k,
- a divorced person in his 50s with an income of $120k.
- a retired couple living on various pensions and investments adding up to $90k a year.
It's common sense that the people in these five different scenarios all have varying goals in mind, and that the advice which would be the most suitable to each of them would look different.
A financial roadmap should be as distinct as you are.
For more information on what a financial strategy would look like for your own unique situation, reach out to schedule a time to chat!
- a single individual in her early 20s with an income of $70k.
- a couple in their mid 30s raising 2 children, earning a combined income of $170k.
- A couple in their 40s, with no children, with a combined income of $210k,
- a divorced person in his 50s with an income of $120k.
- a retired couple living on various pensions and investments adding up to $90k a year.
It's common sense that the people in these five different scenarios all have varying goals in mind, and that the advice which would be the most suitable to each of them would look different.
A financial roadmap should be as distinct as you are.
For more information on what a financial strategy would look like for your own unique situation, reach out to schedule a time to chat!
Does a single advice fit everyone?
- a single individual in her early 20s with an income of $70k.
- a couple in their mid 30s raising 2 children, earning a combined income of $170k.
- A couple in their 40s, with no children, with a combined income of $210k,
- a divorced person in his 50s with an income of $120k.
- a retired couple living on various pensions and investments adding up to $90k a year.
It's common sense that the people in these five different scenarios all have varying goals in mind, and that the advice which would be the most suitable to each of them would look different.
A financial roadmap should be as distinct as you are.
For more information on what a financial strategy would look like for your own unique situation, reach out to schedule a time to chat!
- a single individual in her early 20s with an income of $70k.
- a couple in their mid 30s raising 2 children, earning a combined income of $170k.
- A couple in their 40s, with no children, with a combined income of $210k,
- a divorced person in his 50s with an income of $120k.
- a retired couple living on various pensions and investments adding up to $90k a year.
It's common sense that the people in these five different scenarios all have varying goals in mind, and that the advice which would be the most suitable to each of them would look different.
A financial roadmap should be as distinct as you are.
For more information on what a financial strategy would look like for your own unique situation, reach out to schedule a time to chat!
It's time to turn your retirement dreams into reality.
Reach out now to start mapping out your retirement strategy and help pave the way for lasting financial confidence!
Reach out now to start mapping out your retirement strategy and help pave the way for lasting financial confidence!
It's time to turn your retirement dreams into reality.
Reach out now to start mapping out your retirement strategy and help pave the way for lasting financial confidence!
Reach out now to start mapping out your retirement strategy and help pave the way for lasting financial confidence!
How do I get the right personal health insurance?
If you are not covered by an existing group, workplace, or spousal benefit plan, then you should certain consider applying for a Personal Health Insurance (PHI).
This type of insurance will cover many out-of-pocket expenses that are not included in the provincial health plans in your province of residence, such as:
- prescription drug costs UP TO $250,000 per year per person
- dental visits UP TO $1250 per year per person.
- paramedical services such as chiro, physio, RMT, psychologists, acupuncture, just to name a few major ones. This coverage is UP TO $400/year PER type of practitioner.
- You, your spouse, and all your minor children enjoy the maximum claim per individual per year, the amounts are not shared.
It also covers many other smaller items which would add up to additional healthcare costs if an injure or sickness were to occur without having such a plan in place.
This kind of health insurance can help contribute to your well-being and financial stability. That's why it's important for you to understand what it is, and how it works.
Learn more in this article.
This type of insurance will cover many out-of-pocket expenses that are not included in the provincial health plans in your province of residence, such as:
- prescription drug costs UP TO $250,000 per year per person
- dental visits UP TO $1250 per year per person.
- paramedical services such as chiro, physio, RMT, psychologists, acupuncture, just to name a few major ones. This coverage is UP TO $400/year PER type of practitioner.
- You, your spouse, and all your minor children enjoy the maximum claim per individual per year, the amounts are not shared.
It also covers many other smaller items which would add up to additional healthcare costs if an injure or sickness were to occur without having such a plan in place.
This kind of health insurance can help contribute to your well-being and financial stability. That's why it's important for you to understand what it is, and how it works.
Learn more in this article.
Enter the Diabetes Protect to Win Contest! Apply for life or critical illness insurance and you could win $5,000. Plus, Sun Life will donate $5,000 to diabetes charities with each draw.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
Enter the Diabetes Protect to Win Contest! Apply for life or critical illness insurance and you could win $5,000. Plus, Sun Life will donate $5,000 to diabetes charities with each draw.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
When juggling many different assets, you need a strong plan in place.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
When juggling many different assets, you need a strong plan in place.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
Together, we can optimize your assets with the aim to make you money and to protect you for the long term.
您在退休時究竟需要多少錢，取決於您的具體情況和目標。您需要支付房款嗎？您想去旅行嗎？ 讓我們來評估一下您的目標，以幫助確保您的財務規劃能助您達成這一目標。
您在退休時究竟需要多少錢，取決於您的具體情況和目標。您需要支付房款嗎？您想去旅行嗎？ 讓我們來評估一下您的目標，以幫助確保您的財務規劃能助您達成這一目標。
It’s easy to overspend when you don’t track your monthly finances. Here are a few common spending triggers that can cause us to buy non-essential items:
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
It’s easy to overspend when you don’t track your monthly finances. Here are a few common spending triggers that can cause us to buy non-essential items:
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
- Sales and discounts
- Payday spending
- Paying with your phone
- Social media influence
If you wonder where your paycheck is going at the end of each month, reach out and we can figure it out together.
How much money do you actually need when you retire? Well, it depends on your circumstances and goals. Will you have house payments? Do you want to travel?
Let’s assess your goals to help ensure your financial roadmap helps you get there.
Let’s assess your goals to help ensure your financial roadmap helps you get there.
How much money do you actually need when you retire? Well, it depends on your circumstances and goals. Will you have house payments? Do you want to travel?
Let’s assess your goals to help ensure your financial roadmap helps you get there.
Let’s assess your goals to help ensure your financial roadmap helps you get there.
Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
Apply for life or critical illness insurance and you can enter Sun Life’s Diabetes Protect to Win Contest! You could win $5,000, plus Sun Life will donate $5,000 to diabetes charities with each draw. Reach out and we can discuss your protection needs!
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
#DiabetesInsurance #FinancialSecurity
*Certain terms and conditions apply. Contact me for more information.
Paying off student loans?
Get in touch to see how paying down your loans can fit into your overall financial roadmap.
Get in touch to see how paying down your loans can fit into your overall financial roadmap.
Paying off student loans?
Get in touch to see how paying down your loans can fit into your overall financial roadmap.
Get in touch to see how paying down your loans can fit into your overall financial roadmap.
If you’re a high earner, you may have noticed you’re paying a lot at tax time. The good news is there may be a way to reduce your tax burden.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
If you’re a high earner, you may have noticed you’re paying a lot at tax time. The good news is there may be a way to reduce your tax burden.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Reach out and we can see how making some small changes may help reduce your tax bill at tax time.
Parents, grandparents, relatives and friends can contribute money into an RESP (up to a lifetime contribution of $50,000 per child).
Get in touch to set up an RESP for your child.
Get in touch to set up an RESP for your child.
Parents, grandparents, relatives and friends can contribute money into an RESP (up to a lifetime contribution of $50,000 per child).
Get in touch to set up an RESP for your child.
Get in touch to set up an RESP for your child.
Proper professional financial consultation and strategies could have easily netted this family at least $1 million more for their estate and their adult children.
https://www.sudbury.com/beyond-local/ontario-woman-says-government-took-every-cent-of-parents-savings-11130734
"$659,126 combined tax bill from RRSP and an investment property" after both parents passed away in a single year.
The RRSP account had $715k, which meant that in Ontario the tax on RRSP comes to just under $375k, so the investment property's capital gain tax was $285k, which meant that the capital gain on the investment property was just under $1.2 million.
Combined, the year of both parents' passing, their "deemed disposition income" comes to around $1.9 million, and therefore paid a total of $660k in taxes.
Two adult kids got $50k in life insurance payment each which mostly went to cottage maintenance and final expenses for their parents.
This is a classic case of having inadequate financial planning in place, unfortunately, especially having both the relatively large RRSP account AND an investment property with significant capital gain value.
The parents had a lawyer and an accountant, yet for one reason or another, the financial planning aspect was sorely lacking (lawyers and accountants can't actually do financial planning without specialized training or licensing), and they ended up paying an amount of tax that is almost equal to their entire RRSP value saved up over the years.
Not to mention that they won't see a single dollar paid to them from their CPP except the $2500 per person for passing away, which they certainly paid into it for roughly 40 years.
https://www.sudbury.com/beyond-local/ontario-woman-says-government-took-every-cent-of-parents-savings-11130734
"$659,126 combined tax bill from RRSP and an investment property" after both parents passed away in a single year.
The RRSP account had $715k, which meant that in Ontario the tax on RRSP comes to just under $375k, so the investment property's capital gain tax was $285k, which meant that the capital gain on the investment property was just under $1.2 million.
Combined, the year of both parents' passing, their "deemed disposition income" comes to around $1.9 million, and therefore paid a total of $660k in taxes.
Two adult kids got $50k in life insurance payment each which mostly went to cottage maintenance and final expenses for their parents.
This is a classic case of having inadequate financial planning in place, unfortunately, especially having both the relatively large RRSP account AND an investment property with significant capital gain value.
The parents had a lawyer and an accountant, yet for one reason or another, the financial planning aspect was sorely lacking (lawyers and accountants can't actually do financial planning without specialized training or licensing), and they ended up paying an amount of tax that is almost equal to their entire RRSP value saved up over the years.
Not to mention that they won't see a single dollar paid to them from their CPP except the $2500 per person for passing away, which they certainly paid into it for roughly 40 years.
When inflation rises during retirement, it's important to take proactive steps to protect your purchasing power and financial stability. Here are some strategies to consider:
- Diversify your investment portfolio
- Reassess your withdrawal strategy
- Look for senior discounts
- Delay old age benefits, if possible
Remember, the key is to be proactive and adaptable. Reach out to review your financial situation and make necessary adjustments.
- Diversify your investment portfolio
- Reassess your withdrawal strategy
- Look for senior discounts
- Delay old age benefits, if possible
Remember, the key is to be proactive and adaptable. Reach out to review your financial situation and make necessary adjustments.
When inflation rises during retirement, it's important to take proactive steps to protect your purchasing power and financial stability. Here are some strategies to consider:
- Diversify your investment portfolio
- Reassess your withdrawal strategy
- Look for senior discounts
- Delay old age benefits, if possible
Remember, the key is to be proactive and adaptable. Reach out to review your financial situation and make necessary adjustments.
- Diversify your investment portfolio
- Reassess your withdrawal strategy
- Look for senior discounts
- Delay old age benefits, if possible
Remember, the key is to be proactive and adaptable. Reach out to review your financial situation and make necessary adjustments.
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.