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.
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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.
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A serious illness can impact more than your health, it can disrupt your income, savings and long-term goals. Critical illness insurance pays a lump sum benefit upon diagnosis of covered conditions like cancer, heart attack or stroke, so you have financial support when it matters most. Let’s talk about how critical illness coverage can protect your financial plan before you need it. https://advisor.sunlife.ca/nicolas.hernandez/
A serious illness can impact more than your health, it can disrupt your income, savings and long-term goals. Critical illness insurance pays a lump sum benefit upon diagnosis of covered conditions like cancer, heart attack or stroke, so you have financial support when it matters most. Let’s talk about how critical illness coverage can protect your financial plan before you need it. https://advisor.sunlife.ca/nicolas.hernandez/
Christopher Liew: These are the estate planning steps Canadians often put off until it’s too late
The absolute most expensive estate mistakes don't come from bad planning—they come from no planning at all.
Right now, Canada is in the final stretch of its largest-ever wealth transfer, with an estimated $1 trillion moving between generations. Yet, roughly half of Canadians still don't have a valid will, and even fewer have updated the rest of their estate strategy.
In a recent BNN Bloomberg piece, Christopher Liew, CFP®️, CFA, highlighted the 5 estate planning steps Canadians delay the most. They’re simple to fix, but incredibly costly to ignore:
1️⃣ Writing the Will: Dying "intestate" means the province decides who gets what based on a rigid legal formula. Your family loses their say.
2️⃣ Updating Beneficiaries: Registered accounts (like RRSPs and TFSAs) pass directly outside your will. An outdated designation—like an ex-spouse—can bypass a current will entirely.
3️⃣ Planning for the Deemed Disposition Tax: Canada doesn’t have a traditional inheritance tax, but the CRA treats your assets as "sold" at fair market value just before death, triggering massive capital gains bills.
4️⃣ Securing Powers of Attorney: A will only works after you pass away. If you face a health crisis while alive, a Power of Attorney for property and care ensures your family isn’t locked out of managing your finances.
5️⃣ Communicating the Plan: A perfect estate plan that nobody knows about is barely a plan. Your executor needs to know where the documents are.
Estate planning isn’t about death; it’s about ensuring the people you love aren't handed an administrative and tax nightmare on the worst day of their lives.
What's one estate planning task you've been putting off? Let's fix it this month.
Read the full insights here: https://www.bnnbloomberg.ca/investing/personal-finance/2026/07/15/christopher-liew-these-are-the-estate-planning-steps-canadians-often-put-off-until-its-too-late/
#EstatePlanning #WealthManagement #FinancialPlanning #TaxStrategy #WealthTransfer #CanadianFinance
Right now, Canada is in the final stretch of its largest-ever wealth transfer, with an estimated $1 trillion moving between generations. Yet, roughly half of Canadians still don't have a valid will, and even fewer have updated the rest of their estate strategy.
In a recent BNN Bloomberg piece, Christopher Liew, CFP®️, CFA, highlighted the 5 estate planning steps Canadians delay the most. They’re simple to fix, but incredibly costly to ignore:
1️⃣ Writing the Will: Dying "intestate" means the province decides who gets what based on a rigid legal formula. Your family loses their say.
2️⃣ Updating Beneficiaries: Registered accounts (like RRSPs and TFSAs) pass directly outside your will. An outdated designation—like an ex-spouse—can bypass a current will entirely.
3️⃣ Planning for the Deemed Disposition Tax: Canada doesn’t have a traditional inheritance tax, but the CRA treats your assets as "sold" at fair market value just before death, triggering massive capital gains bills.
4️⃣ Securing Powers of Attorney: A will only works after you pass away. If you face a health crisis while alive, a Power of Attorney for property and care ensures your family isn’t locked out of managing your finances.
5️⃣ Communicating the Plan: A perfect estate plan that nobody knows about is barely a plan. Your executor needs to know where the documents are.
Estate planning isn’t about death; it’s about ensuring the people you love aren't handed an administrative and tax nightmare on the worst day of their lives.
What's one estate planning task you've been putting off? Let's fix it this month.
Read the full insights here: https://www.bnnbloomberg.ca/investing/personal-finance/2026/07/15/christopher-liew-these-are-the-estate-planning-steps-canadians-often-put-off-until-its-too-late/
#EstatePlanning #WealthManagement #FinancialPlanning #TaxStrategy #WealthTransfer #CanadianFinance
Life can be unpredictable. The right protection can help you stay financially secure when it matters most. Insurance can play a key role in supporting your overall financial approach. Let’s review your coverage and make sure it fits your needs. https://advisor.sunlife.ca/nicolas.hernandez/
Life can be unpredictable. The right protection can help you stay financially secure when it matters most. Insurance can play a key role in supporting your overall financial approach. Let’s review your coverage and make sure it fits your needs. 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.