Rhiannon Tutty
Job title: Advisor, Sun Life
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.
Let's work together
As your advisor we are on your team, putting strategies in place so we can meet your financial goals. My team and I are dedicated to your success.
Whether you are just starting your financial journey, nearing retirement or somewhere in between – we can help.
Our office is in Invermere, British Columbia. We serve the Kootenays, British Columbia and Alberta. We offer virtual and in-person appointments. Contact our office to set up an appointment.
What we do
Working with Clients and their Businesses
Financial organization, budgeting and goal setting
Working with Clients to put systematic personalized strategies in place to help them to reach their personal and professional financial goals.
Security
Utilizing the right products to protect Clients and their loved ones as well as their assets: Both in their personal lives and their businesses.
Investing
Creating strategies to help Clients build a portfolio to accumulate wealth to reach their goals. Building individual diversified wealth portfolios for long-term investing.
Long-term strategies and analysis
Providing Clients with information to help create proper cash flow management, minimize tax exposure, achieve financial goal projections, all while monitoring along the way to help mitigate effects on long term strategies. Utilizing specialized software to provide a clear picture of where you are and create a pathway that helps take you to the financial future you want.
Education and support
Providing information and direction to empower Clients with financial knowledge, and support and encourage them along their journey, no matter what age or life stage they may be in.
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
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Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
Don't let your retirement goals take a backseat to your wanderlust! Let’s budget for domestic travel while keeping your retirement plan on track.
#RetirementPlanning #CanadianTravel
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.
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.