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Today is your reminder to take a fresh look at your insurance coverage—because protecting your future should never be left to chance. Whether you're planning ahead for your family, your business, or your retirement, the right insurance can bring clarity, confidence, and peace of mind.
Why partner with RFS for your insurance needs?
✨ Team Approach – You're backed by a full team of experienced advisors who collaborate to build the best strategy for you.
🌍 Multicultural Understanding – We proudly serve a diverse community and speak your language—literally!
📊 Decades of Experience – We’ve guided clients through every life stage and economic turn with personalized, practical advice.
🔍 Let’s review your current policies, explore new options, and make sure your protection keeps up with your goals.
📞 Ready for a check-in? Let’s talk—your future self will thank you.
https://advisor.sunlife.ca/mitch.reynolds/
#InsuranceAwarenessDay #FinancialConfidence #RFSExperience #PlanWithPurpose #MultilingualAdvisors #ReynoldsFinancialSolutions
Why partner with RFS for your insurance needs?
✨ Team Approach – You're backed by a full team of experienced advisors who collaborate to build the best strategy for you.
🌍 Multicultural Understanding – We proudly serve a diverse community and speak your language—literally!
📊 Decades of Experience – We’ve guided clients through every life stage and economic turn with personalized, practical advice.
🔍 Let’s review your current policies, explore new options, and make sure your protection keeps up with your goals.
📞 Ready for a check-in? Let’s talk—your future self will thank you.
https://advisor.sunlife.ca/mitch.reynolds/
#InsuranceAwarenessDay #FinancialConfidence #RFSExperience #PlanWithPurpose #MultilingualAdvisors #ReynoldsFinancialSolutions
How much insurance is the right amount?
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.
📞 Connect with Reynolds Financial Solutions today:
https://advisor.sunlife.ca/mitch.reynolds
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.
📞 Connect with Reynolds Financial Solutions today:
https://advisor.sunlife.ca/mitch.reynolds
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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"Mitch and his team know their stuff, and it has been a pleasure working with them." – Clayton
At Reynolds Financial Solutions, we take pride in helping business owners with more than just investments—we bring a holistic approach to your full financial picture. From insurance and retirement planning to business continuity strategies, we’ve got the tools to support every step.
🔍 Ready to explore what financial wellness looks like for your business?
📞 Let’s connect: advisor.sunlife.ca/mitch.reynolds
#ClientPraise #BusinessPlanning #RFSApproach #ReynoldsFinancialSolutions #HolisticFinancialPlanning #EntrepreneurSupport
At Reynolds Financial Solutions, we take pride in helping business owners with more than just investments—we bring a holistic approach to your full financial picture. From insurance and retirement planning to business continuity strategies, we’ve got the tools to support every step.
🔍 Ready to explore what financial wellness looks like for your business?
📞 Let’s connect: advisor.sunlife.ca/mitch.reynolds
#ClientPraise #BusinessPlanning #RFSApproach #ReynoldsFinancialSolutions #HolisticFinancialPlanning #EntrepreneurSupport

💡 "Money won’t fix bad habits, but good habits will make you rich." – Mitch Reynolds
Your financial future isn’t built on windfalls—it’s built on what you do every day. From budgeting smarter to investing consistently, the right habits compound into real wealth over time.
✅ Start small.
✅ Stay consistent.
✅ Build the future you deserve.
Need help turning good habits into long-term results? Let’s talk.
📞 Connect with Reynolds Financial Solutions today:
https://advisor.sunlife.ca/mitch.reynolds
#SmartMoneyMoves #FinancialHabits #WealthWisdom #ReynoldsFinancialSolutions #PlanWithPurpose
Your financial future isn’t built on windfalls—it’s built on what you do every day. From budgeting smarter to investing consistently, the right habits compound into real wealth over time.
✅ Start small.
✅ Stay consistent.
✅ Build the future you deserve.
Need help turning good habits into long-term results? Let’s talk.
📞 Connect with Reynolds Financial Solutions today:
https://advisor.sunlife.ca/mitch.reynolds
#SmartMoneyMoves #FinancialHabits #WealthWisdom #ReynoldsFinancialSolutions #PlanWithPurpose

🚧 Life Has Detours—Make Sure You’re Covered
A serious illness doesn’t just impact your health—it can shake your entire financial foundation. Critical Illness Insurance offers a tax-free lump-sum payment so you can focus on healing, not bills.
Whether you're mid-career, raising a family, or building your legacy—this layer of protection could be a game-changer on your road to success.
🛡️ Let’s build a plan that’s ready for life’s “what ifs.”
#ProtectYourPath #CriticalIllnessInsurance #RFSroad #SuccessRoad #PlanWithPurpose
A serious illness doesn’t just impact your health—it can shake your entire financial foundation. Critical Illness Insurance offers a tax-free lump-sum payment so you can focus on healing, not bills.
Whether you're mid-career, raising a family, or building your legacy—this layer of protection could be a game-changer on your road to success.
🛡️ Let’s build a plan that’s ready for life’s “what ifs.”
#ProtectYourPath #CriticalIllnessInsurance #RFSroad #SuccessRoad #PlanWithPurpose

Have you heard? 📈 Sun Life is holding steady with a 6.25% dividend scale interest rate for 2025–2026!
That’s great news for participating life insurance policyholders — it means reliable, long-term growth and financial confidence you can count on. 🌟
If you're looking for stability in an uncertain world, this could be the building block your financial plan needs.
🔗 Learn more: https://www.sunlife.ca/en/insurance/life/permanent-life-insurance/participating/dividend-scale-history/
#DividendNews #SmartMoneyMoves #FinancialSecurity #ReynoldsFinancialSolutions #RFS #PlanWithConfidence
That’s great news for participating life insurance policyholders — it means reliable, long-term growth and financial confidence you can count on. 🌟
If you're looking for stability in an uncertain world, this could be the building block your financial plan needs.
🔗 Learn more: https://www.sunlife.ca/en/insurance/life/permanent-life-insurance/participating/dividend-scale-history/
#DividendNews #SmartMoneyMoves #FinancialSecurity #ReynoldsFinancialSolutions #RFS #PlanWithConfidence

"Life is a collection of memories, so use your money to buy the experiences that last a lifetime." – Mitch Reynolds
Summer vacation isn’t just a break—it’s a chance to create moments your future self will cherish.☀️⛱️
With the right financial plan, your next adventure is closer than you think.
Let’s make sure your money is working toward the memories that matter most.
📞 Connect with Mitch Reynolds today:
https://advisor.sunlife.ca/mitch.reynolds
#SummerGoals #PlanForMemories #ReynoldsFinancialSolutions #LiveFully #FinancialFreedom
Summer vacation isn’t just a break—it’s a chance to create moments your future self will cherish.☀️⛱️
With the right financial plan, your next adventure is closer than you think.
Let’s make sure your money is working toward the memories that matter most.
📞 Connect with Mitch Reynolds today:
https://advisor.sunlife.ca/mitch.reynolds
#SummerGoals #PlanForMemories #ReynoldsFinancialSolutions #LiveFully #FinancialFreedom

🧭 Planning for the Future Isn’t Just About Numbers—It’s About Direction.
At Reynolds Financial Solutions, we don’t just grow wealth—we guide journeys. Your financial path is uniquely yours, and we’re here to help you navigate every twist and turn with clarity and confidence.
You don’t need to have all the answers. You just need a starting point—and that’s where we come in.
Let’s map out your next milestone and build a plan that fits your life, not just your ledger.
📞 Ready to talk? Your road to success starts here.
https://advisor.sunlife.ca/mitch.reynolds/
#SuccessRoad #StartYourJourney #PlanWithPurpose #RFSroad
At Reynolds Financial Solutions, we don’t just grow wealth—we guide journeys. Your financial path is uniquely yours, and we’re here to help you navigate every twist and turn with clarity and confidence.
You don’t need to have all the answers. You just need a starting point—and that’s where we come in.
Let’s map out your next milestone and build a plan that fits your life, not just your ledger.
📞 Ready to talk? Your road to success starts here.
https://advisor.sunlife.ca/mitch.reynolds/
#SuccessRoad #StartYourJourney #PlanWithPurpose #RFSroad

Should you buy a house during a recession? The pros and cons of making a home purchase in shaky economic times
While prices and buyer competition have declined — offering the perfect opportunity for purchasers ready to enter the market — it’s brought on by Canadian consumer confidence taking a hit, with economists warning of a modest recession given the current trade uncertainty with the U.S.
https://advisor.sunlife.ca/mitch.reynolds/
https://advisor.sunlife.ca/mitch.reynolds/

Bank of Canada holds interest rate at 2.75% again as 'uncertainty remains high'
Bank of Canada holds interest rate at 2.75% again as 'uncertainty remains high'. Inflation came down, mainly on energy as the consumer carbon tax was removed. Inflation on food increased above the target 2% rate in the last month.
https://advisor.sunlife.ca/mitch.reynolds/
https://advisor.sunlife.ca/mitch.reynolds/

🌞 Summer is the perfect time to refresh your financial goals. Whether you're saving for a vacation or planning for retirement, small steps now can drive big results later.
Here are 8 smart strategies to tune up your finances this season:
1. 🧾 Review your budget – Know where your money’s going.
2. 📉 Tackle debt – Prioritize high-interest payments.
3. 💳 Boost your credit score – It opens future financial doors.
4. 🧠 Brush up on financial literacy – Knowledge is power.
5. 💰 Automate your savings – Out of sight, into your future.
6. 🛡️ Update your insurance – Life changes. So should your coverage.
7. 🏡 Plan for home improvements – Protect your investment.
8. 📈 Align investments to your goals – No two journeys are the same.
💡 Where are you on your Success Road? Whether you're in the Compact Car stage (just starting out) or cruising in a Luxury Car (retirement ready), our team at RFS is here to help you shift into the next gear—confidently.
📞 Book your summer financial check-in today:
https://advisor.sunlife.ca/mitch.reynolds
#SummerGoals #FinancialWellness #SuccessRoad #ReynoldsFinancialSolutions #SmartMoneyMoves #RFSjourney
Here are 8 smart strategies to tune up your finances this season:
1. 🧾 Review your budget – Know where your money’s going.
2. 📉 Tackle debt – Prioritize high-interest payments.
3. 💳 Boost your credit score – It opens future financial doors.
4. 🧠 Brush up on financial literacy – Knowledge is power.
5. 💰 Automate your savings – Out of sight, into your future.
6. 🛡️ Update your insurance – Life changes. So should your coverage.
7. 🏡 Plan for home improvements – Protect your investment.
8. 📈 Align investments to your goals – No two journeys are the same.
💡 Where are you on your Success Road? Whether you're in the Compact Car stage (just starting out) or cruising in a Luxury Car (retirement ready), our team at RFS is here to help you shift into the next gear—confidently.
📞 Book your summer financial check-in today:
https://advisor.sunlife.ca/mitch.reynolds
#SummerGoals #FinancialWellness #SuccessRoad #ReynoldsFinancialSolutions #SmartMoneyMoves #RFSjourney

The true cost of owning a dog - It's Your Money
In our office, Iryna recently adopted a Golden Retriever. A beautiful dog, but it is more work and responsibility than one might think. And then there is the puppy stage of chewing up everything, including the couch! The true cost of owning a dog could be thousands per year in food, vet fees, vaccinations, etc. And you have the time commitment to exercise and play with your dog.
Oh, but the unconditional love and friendship you will get!
Want more advice on money and how things in your life will be either an expense or an asset?
Contact us for more information:
https://advisor.sunlife.ca/mitch.reynolds/
Oh, but the unconditional love and friendship you will get!
Want more advice on money and how things in your life will be either an expense or an asset?
Contact us for more information:
https://advisor.sunlife.ca/mitch.reynolds/

"The only bad investment is the one you never make." – Sitting on cash won’t build wealth—get your money working for you.
💬 Let’s build your wealth now—no more delays.
📞 Connect with Mitch Reynolds: advisor.sunlife.ca/mitch.reynolds
#FinancialPlanning #WealthWisdom #StartNow #MitchReynolds #ReynoldsFinancialSolutions #NoPerfectTime #SunLifeAdvisor
💬 Let’s build your wealth now—no more delays.
📞 Connect with Mitch Reynolds: advisor.sunlife.ca/mitch.reynolds
#FinancialPlanning #WealthWisdom #StartNow #MitchReynolds #ReynoldsFinancialSolutions #NoPerfectTime #SunLifeAdvisor

✈️ Dreaming of a Special Getaway? Start Saving Smart Today! 💰
Planning a memorable vacation doesn't have to strain your finances. Sun Life offers practical strategies to help you save effectively for your next adventure:
● Automate Your Savings: Set up automatic transfers to a dedicated savings account. This "pay yourself first" approach ensures consistent contributions without the temptation to spend.
● Utilize a TFSA: A Tax-Free Savings Account allows your savings to grow tax-free, and withdrawals won't affect your taxable income—ideal for vacation funds.
● Leverage Employer Benefits: Some employers offer matching contributions to savings plans. Check if you can allocate these benefits toward your vacation fund.
● Create a Realistic Budget: Use Sun Life's budget calculator to track expenses and identify areas to cut back, freeing up more funds for your trip.
By implementing these strategies, you can enjoy your dream vacation without financial stress.
📞 Ready to plan your getaway?
🔗 Connect with Mitch Reynolds at www.advisor.sunlife.ca/mitch.reynolds
#TravelSmart #VacationPlanning #FinancialTips #SunLife #ReynoldsFinancialSolutions
Planning a memorable vacation doesn't have to strain your finances. Sun Life offers practical strategies to help you save effectively for your next adventure:
● Automate Your Savings: Set up automatic transfers to a dedicated savings account. This "pay yourself first" approach ensures consistent contributions without the temptation to spend.
● Utilize a TFSA: A Tax-Free Savings Account allows your savings to grow tax-free, and withdrawals won't affect your taxable income—ideal for vacation funds.
● Leverage Employer Benefits: Some employers offer matching contributions to savings plans. Check if you can allocate these benefits toward your vacation fund.
● Create a Realistic Budget: Use Sun Life's budget calculator to track expenses and identify areas to cut back, freeing up more funds for your trip.
By implementing these strategies, you can enjoy your dream vacation without financial stress.
📞 Ready to plan your getaway?
🔗 Connect with Mitch Reynolds at www.advisor.sunlife.ca/mitch.reynolds
#TravelSmart #VacationPlanning #FinancialTips #SunLife #ReynoldsFinancialSolutions

Bank of Canada rate cut odds for June fall after April inflation data
Canada’s annual rate of inflation slowed to 1.7 per cent in April, Statistics Canada reported on Tuesday, down from 2.3 per cent in March.
https://advisor.sunlife.ca/mitch.reynolds/
https://advisor.sunlife.ca/mitch.reynolds/

🚗💰 “A budget is your financial roadmap—without one, you're driving blind." – Mitch Reynolds
Think of your budget as your GPS for financial success. Whether you're just starting out or planning for retirement, having a clear plan keeps you on course toward your goals—no detours, no surprises.
🧭 Let’s map out your future together.
📞 Connect with Mitch Reynolds today.
🔗 advisor.sunlife.ca/mitch.reynolds
#FinancialPlanning #BudgetSmart #MoneyGoals #RFS #MitchReynolds #FinancialFreedom #PlanWithPurpose
Think of your budget as your GPS for financial success. Whether you're just starting out or planning for retirement, having a clear plan keeps you on course toward your goals—no detours, no surprises.
🧭 Let’s map out your future together.
📞 Connect with Mitch Reynolds today.
🔗 advisor.sunlife.ca/mitch.reynolds
#FinancialPlanning #BudgetSmart #MoneyGoals #RFS #MitchReynolds #FinancialFreedom #PlanWithPurpose
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.

🎯 Changing Jobs? Don’t Leave Your Investments Behind!
If you’re leaving your job and unsure what to do with your workplace savings plan — you’re not alone.
This is the perfect time to get support from someone who knows the options. Mitch Reynolds, your local Sun Life advisor, can help you transfer your investments, explore your next steps, and make the most of your hard-earned money.
Reach out today: advisor.sunlife.ca/mitch.reynolds
📞 Phone: (403) 212-1111
#CareerChange #FinancialSupport #InvestmentHelp #SunLifeAdvisor #ReynoldsFinancialSolutions #RFS #RetirementPlanning #SmartMoves
If you’re leaving your job and unsure what to do with your workplace savings plan — you’re not alone.
This is the perfect time to get support from someone who knows the options. Mitch Reynolds, your local Sun Life advisor, can help you transfer your investments, explore your next steps, and make the most of your hard-earned money.
Reach out today: advisor.sunlife.ca/mitch.reynolds
📞 Phone: (403) 212-1111
#CareerChange #FinancialSupport #InvestmentHelp #SunLifeAdvisor #ReynoldsFinancialSolutions #RFS #RetirementPlanning #SmartMoves

🌟 Client Spotlight: A Story of Strength, Support & Smart Planning 🌟
“When I was diagnosed with cancer, the critical illness insurance I almost didn’t get became my greatest lifeline.” – Lorne Stapleton
After over a decade of working with Mitch and the Reynolds Financial Solutions team, Lorne shares how a simple suggestion—critical illness insurance—provided peace of mind and real financial support during the most difficult time of his life. Now in full remission, he continues to trust RFS with his future.
💬 Thank you, Lorne, for your trust and for sharing your powerful story.
👉 Need coverage that protects you when life throws the unexpected? Let’s talk.
📞 advisor.sunlife.ca/mitch.reynolds
#ClientTestimonial #CriticalIllnessInsurance #FinancialProtection #PlanForTheUnexpected #RFS #MitchReynolds
“When I was diagnosed with cancer, the critical illness insurance I almost didn’t get became my greatest lifeline.” – Lorne Stapleton
After over a decade of working with Mitch and the Reynolds Financial Solutions team, Lorne shares how a simple suggestion—critical illness insurance—provided peace of mind and real financial support during the most difficult time of his life. Now in full remission, he continues to trust RFS with his future.
💬 Thank you, Lorne, for your trust and for sharing your powerful story.
👉 Need coverage that protects you when life throws the unexpected? Let’s talk.
📞 advisor.sunlife.ca/mitch.reynolds
#ClientTestimonial #CriticalIllnessInsurance #FinancialProtection #PlanForTheUnexpected #RFS #MitchReynolds

Wills, Care And Tough Talks: A Mother’s Day Financial Planning Guide
Discover how to support your mom in planning for the future with practical advice on estate, legal, and care decisions.
https://advisor.sunlife.ca/mitch.reynolds/
https://advisor.sunlife.ca/mitch.reynolds/

Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
We are contracted with Sun Life Financial Distributors (Canada) Inc., a member of the Sun Life group of companies. Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc.