Ogloff Financial Services Inc.
Job title: Financial Planner, Sun Life, CFP®, CPCA
Languages spoken: English
Area(s) served: Grand Forks and Boundary Area
Let’s work together
Build your savings, protect your family and live a healthier life. I’ll help you develop a holistic plan that provides the right mix of income, savings and insurance protection solutions. I'll help you build lifetime financial security by:
- Understanding your goals and helping you make the most of your savings and contributions
- Providing investment strategies designed to help maximize your money
- Protecting you and your family with insurance solutions that fit your needs
- Converting your lifetime savings into retirement income when you’re ready
Whether it's through life insurance, health insurance or an investment strategy, I’ll help you build lifetime financial security.
Client Testimonials
"Rob, Brenda and Staff have been an ongoing source of support and knowledge around investments and insurance for our family.
They provide the nuance needed to make sounds judgements based on our specific needs and I couldn't be happier with the level of service I receive when I have a request. Thanks so much."
-S.B. Maple Ridge, BC
"Rob's office has been very accommodating to our family's needs. We were looking for someone to not only help us organize our finances but also help to make sure our family was well insured for years to come. We feel so much better knowing we have a plan moving forward and that Rob's office keeps us on track!"
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V.K. Grand Forks, BC
I believe in putting Clients first
I strive to build solid and lasting relationships with you and help you achieve financial success. Through valuable advice, I can help you make well-informed choices to protect the present and prepare for the future. My professionalism combined with an understanding of your needs allows me to offer solutions that suit you the best.
I can help you:
- Focus on your health and financial priorities
- Create a roadmap for your goals
- Identify gaps and needs
- Implement your plan
- Review and adjust your plan based on your needs change
- Stay confident while navigating through uncertain times
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
