Rajni Sharma Financial Services Ltd.
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.
How we work together
At our core, we recognize that Clients seek more than just solutions; they seek a personalized journey marked by personable interactions, a sense of familiarity, and conscientiousness. We go beyond meeting their needs; we aim to create an experience that resonates with their unique preferences and aspirations.
Clients should choose us over competitors because we embody personability, have every interaction with a genuine sense of connection and familiarity. Our conscientious approach ensures that Clients not only receive outstanding service but feel genuinely cared for while building a lasting and trusting relationship.
Our distinctiveness lies in the genuine connections we establish with Clients. We want them to feel confident, knowing that their concerns are heard and understood that we are dedicated to looking after their concerns with care and attention to detail. Our communication reflects not only expertise but the warmth that comes with a personalize touch.
When Clients hear about our services, we want them to feel as if they are talking to a trusted friend. Our language is approachable, our demeanor is friendly and our commitment is evident in creating an experience where Clients feel valued and appreciated.
The most significant value we provide is not just in the strategies we create but in the personalized care and attention we bring to each Client. We aim to be more than a service provider. We strive to be dependable partner, exemplifying personability, familiarity, and conscientiousness to enhance their experience in their journey to financial success.
Contact our office to book an appointment and get started on achieving your financial goals. Let's talk.
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Health insurance products
Life insurance products
Saving, budgeting and investing
Stay informed
See more articlesScript: 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.
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. Have my financial goals changed?
2. Do I have a diversified portfolio?
3. How comfortable am I with risk?
You may be better off staying the course and sticking to your original plan if: Your goals haven't changed, and You have a diversified portfolio. Remember, history tells us that markets grow over the long term. Still worried? Let’s chat.
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