Assiduity Financial Solutions Inc.
Job title: CPCA
Languages spoken: English
Area(s) served: British Columbia
Know your way forward
Whether you’re starting your business, developing your practice or considering stepping aside, We offer vision, know-how, plus industry-leading wealth and insurance solutions to business owners who need advice to manage complex financial situations.
Who we service
Learn more
Business owners general
Families
Incorporated professionals
Let's work together
For your long-term goals or your short-term needs, we will work with you to help discover the best strategy to meet your objectives. We’ll work together to understand your goals, prepare for the unexpected and take advantage of new opportunities – throughout your life.
We can help you meet your needs with a number of solutions. From a simple budget to complex strategies, we can help you build lifetime financial security by:
- Developing an approach that include RRSPs, TFSAs, or RESPs,
- Growing your investments through GICs, mutual funds or segregated funds,
- Protecting your family when the unexpected happens with term life, permanent life or universal life insurance,
- Converting your lifetime savings into retirement income when you’re ready to kick up your feet through annuity products, RRIFs or LIFs and
- Providing you with options for personal health, disability insurance or critical illness insurance.
You can benefit from our professional expertise and access to some of the industry’s leading insurance and investment products. We can help you build a financial approach customized to your needs.
Client testimonials
"I have been with Rauni and the Assiduity team for over 6 years and have been very pleased with the results. I feel that my money is safe, secure and growing! They are very friendly, efficient and accommodating."
- Ronda, Client since 2011
“I met Rauni years ago, to obtain life insurance, with my partner in our new restaurant venture. Rauni and I made a personal connection. Rauni was very professional and knew what she was talking about.
At the time, I had some money that my bank had invested for me, in their "Retirement Plan 55". Even I could see that I was on fast track to "Retirement Plan 95". I set up an appointment with Rauni (she was so accommodating) to meet and see if she could help me. Well, let me say, that was the best thing I ever did! I haven't looked back! I wish I could work as hard as Rauni has made my money work!
Now, it would be remiss of me to realize that without Rauni's support staff, Rauni would not be able to dedicate her one-on-one attention and time to my investments. The office staff are unique in that they are so cheerful and professional that every time I speak with one of them, I always come away happier and can be assured that my questions are answered or any requests I have made, they will get the job done. How's that for service? Something that is sorely lacking in business today.
My recommendation to anyone looking to invest a few dollars, give Rauni Naud at Sun Life Financial a call! I'll give you the number. You won't be disappointed you did.”
- Carmen, Client since 2013
"I first met Rauni Naud over six years ago when she prepared a financial plan for me. Since then, she has thoughtfully managed and sustainably grown my portfolio to where I now feel that I will be comfortable in my retirement years.
Rauni is no ordinary financial advisor. She takes the time to get to know her clients to better tailor a plan that realistically meets their financial and lifestyle goals. She not only regularly reviews your file but is also readily available to meet in person or answer questions by phone. She truly enjoys and cares about the people she serves.
Her staff is likewise friendly and helpful. I would not hesitate to recommend Rauni at Sun Life Financial and Assiduity Financial Solutions Inc. to help you develop a plan to meet your financial and lifestyle goals."
- Linda, Client since 2015
I could not be happier with my experience at Sunlife in Castlegar. Rauni is very knowledgeable and helpful with making decisions and looking out for her clients best interests. My only regret is I should have given her my funds years before I did. I would highly recommend her to anyone looking for a financial advisor!
Products and services
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.
Office information
