Nicolas Hernandez
Job title: Financial Planner, Sun Life, CFP®
Languages spoken: English, Spanish
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.
Products and services
Browse through the product and services offerings below to learn more. Every financial and protection strategy is different. When we meet, we’ll discuss what might be right for your unique situation. Reach out if you have any questions or are ready to get started.
Health insurance products
Health insurance gives you financial coverage to help pay for health-care needs. This insurance goes above and beyond Canadian health-care coverage.
Life insurance products
Life insurance allows you to protect the people you love by providing your beneficiaries a tax-free cash payment when you die.
Saving, budgeting and investing
Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
Stay informed
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Disability can impact more than just your income — it can affect your financial priorities all at once. The right coverage can help create breathing room if you’re unable to work due to illness or injury. If your paycheque fuels your plans, they may be worth protecting. Get in touch to talk about your options. https://advisor.sunlife.ca/nicolas.hernandez/
Disability can impact more than just your income — it can affect your financial priorities all at once. The right coverage can help create breathing room if you’re unable to work due to illness or injury. If your paycheque fuels your plans, they may be worth protecting. Get in touch to talk about your options. https://advisor.sunlife.ca/nicolas.hernandez/
Let’s talk about one of the most misunderstood pieces of retirement planning: CPP!
Here’s the reality check:
📌 The Baseline: CPP was only designed to cover about 25% to 33% of your working income.
📌 The Consideration: Starting at age 60 means a permanent 36% reduction in monthly benefits.
📌 The Bonus: Delaying until age 70 gives you a massive 42% increase.
There is no one-size-fits-all answer here.
The perfect time to start taking it is deeply tied to the rest of your financial plan.
Drop a comment below with when you’re planning to take yours! 👇
Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-enhancement.html
Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/when-start.html
#retirementplanning #personalfinancecanada #canadianfinance #cpp #financialplanning
Here’s the reality check:
📌 The Baseline: CPP was only designed to cover about 25% to 33% of your working income.
📌 The Consideration: Starting at age 60 means a permanent 36% reduction in monthly benefits.
📌 The Bonus: Delaying until age 70 gives you a massive 42% increase.
There is no one-size-fits-all answer here.
The perfect time to start taking it is deeply tied to the rest of your financial plan.
Drop a comment below with when you’re planning to take yours! 👇
Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-enhancement.html
Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/when-start.html
#retirementplanning #personalfinancecanada #canadianfinance #cpp #financialplanning
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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/nicolas.hernandez/
https://advisor.sunlife.ca/nicolas.hernandez/
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/nicolas.hernandez/
https://advisor.sunlife.ca/nicolas.hernandez/
Office information
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.