At ShoresAhead, we take pride in our unique approach to thinking. As divergent thinkers, we embrace a variety of premises when making significant decisions, avoiding common and limiting assumptions. Our extensive experience shapes our perspective and allows us to provide you with an exceptional, meticulously planned experience that goes beyond the standard.
As a full-service financial advisory firm, we offer comprehensive planning, including financial, retirement, risk management, tax, and estate planning. We are not driven by commissions or tied to selling specific products. Instead, our motivation and passion lie in making a positive impact and changing lives for the better.
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.
Personal and family health insurance
A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.
Disability Insurance
Disability insurance (DI) is a type of health insurance. It helps protect you financially by replacing a portion of your income. You receive a benefit if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.
Critical illness insurance
Critical illness insurance (CII) is a type of health insurance. CII coverage can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses like cancer, stroke, heart attack and dementia.
Travel insurance
Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Dental insurance
Dental insurance, included in a personal health insurance plan from Sun Life, can help you manage dental costs including cleanings, braces, crowns and more.
Long term care insurance
Long term care insurance from Sun Life provides an income-style benefit if you become unable to care for yourself due to aging, a serious accident, severe illness or deteriorated mental abilities.
Saving and budgeting
Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
RRSP (Registered retirement savings plan)
A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
TFSA (Tax-free savings account)
A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
RESPs (Registered education savings plan)†
A tax-deferred account to help you save for a child’s or grandchild’s post-secondary education. Anyone can open a RESP and contribute money at any time, up to a lifetime total of $50,000 per child. Contributions aren’t tax deductible, but any investment income earned within the plan will be taxed only when it’s withdrawn.
GICs (Guaranteed investment product)**
Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Mutual funds†
A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Segregated funds
Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Annuity products
An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company – like Sun Life – guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks – and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
LIRA (Locked-in retirement account)
A registered account designed to hold and invest pension assets that you and your former employers contributed to. Investments within the LIRA grow tax-deferred – this means you won’t have to pay taxes on investment growth until you withdraw funds.
Registered savings plans
Registered savings plans provide Canadians with a tax advantaged account to save for their education, retirement or another long-term goal.
RRSP (Registered retirement savings plan)
A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
TFSA (Tax-free savings account)
A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
RESPs (Registered education savings plan)†
A tax-deferred account to help you save for a child’s or grandchild’s post-secondary education. Anyone can open a RESP and contribute money at any time, up to a lifetime total of $50,000 per child. Contributions aren’t tax deductible, but any investment income earned within the plan will be taxed only when it’s withdrawn.
LIRA (Locked-in retirement account)
A registered account designed to hold and invest pension assets that you and your former employers contributed to. Investments within the LIRA grow tax-deferred – this means you won’t have to pay taxes on investment growth until you withdraw funds.
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.
Whole life insurance
A type of permanent life insurance that gives your beneficiaries a tax-free payment after you die (called a death benefit). Your beneficiaries can use the money from the death benefit any way they want.
While some life insurance plans offer coverage for a specific amount of time, whole life insurance has no time limit because it covers you throughout your life. So you don’t have to worry about your coverage expiring or renewing your policy.
While some life insurance plans offer coverage for a specific amount of time, whole life insurance has no time limit because it covers you throughout your life. So you don’t have to worry about your coverage expiring or renewing your policy.
Participating life insurance
Participating life insurance (also called par insurance) is a contract that offers three important features: lifetime insurance, cash-value growth and a chance to earn policy dividends.
Term life insurance
An affordable life insurance policy that gives you financial protection for a certain period of time. If you die while your policy is still active, then your beneficiaries receive a lump-sum, tax-free payment (called the death benefit). They can use this money any way they please.
Mortgage protection insurance
Thinking of buying a new home? Your mortgage lender may offer the option of buying mortgage insurance (also known as creditor insurance). But do you really need it? Or do you need mortgage protection insurance instead?
Permanent Life Insurance
A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
Universal life insurance
The most flexible types of permanent life insurance for Canadian residents.
It offers key financial planning features such as lifelong protection that never expires and opportunities for tax-preferred savings growth.
It offers key financial planning features such as lifelong protection that never expires and opportunities for tax-preferred savings growth.
Investment options
There are many different investment options to choose from. The right one for you depends on your situation and goals.
GICs (Guaranteed investment product)**
Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Mutual funds†
A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Segregated funds
Segregated fund contracts are a popular investment option, available only from life insurance companies. Similar to mutual funds, segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts have higher fees than mutual funds because they also offer guarantees and some of the additional benefits of a life insurance contract.
Annuity products
An annuity protects you from the risk of outliving your money and helps to cover basic expenses in retirement. In exchange for a lump-sum premium, an insurance company – like Sun Life – guarantees to pay you an income for life or as long as the annuity contract specifies. Your income will be secure from both market and interest rate risks – and, if you buy your annuity with non-registered savings, you could also benefit from tax savings.
For individuals
Let’s establish goals, reach goals and protect what matters most to you - together.
RRSP (Registered retirement savings plan)
A type of savings account specially designed to help Canadians save for their retirement.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
It comes with tax advantages that let you save and grow your money now, while deducting your RRSP contributions from your current tax bill.
TFSA (Tax-free savings account)
A tax-free savings account (TFSA) is a registered investment account that’s designed to help Canadians save money.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
Any income earned within a TFSA, including interest, dividends and capital gains is tax-free.
GICs (Guaranteed investment product)**
Designed for people who want to protect their principal and earn a guaranteed rate of return.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Because of their many features, guaranteed interest products are an important component of both registered and non-registered savings plans – as well as retirement income plans.
Mutual funds†
A mutual fund is a pool of money and investments (e.g. stocks, bonds and other types of investments) that are managed by a professional fund manager.
Term life insurance
An affordable life insurance policy that gives you financial protection for a certain period of time. If you die while your policy is still active, then your beneficiaries receive a lump-sum, tax-free payment (called the death benefit). They can use this money any way they please.
Personal and family health insurance
A policy or contract that gives you, the insured person, financial coverage to help pay for health-care needs. Depending on your policy, the insurance company pays for your covered health-care expenses. You pay the insurance company a monthly premium or fee.
Disability Insurance
Disability insurance (DI) is a type of health insurance. It helps protect you financially by replacing a portion of your income. You receive a benefit if you’re ever diagnosed with a covered medical illness, mental health issue, or injury that prevents you from working.
Critical illness insurance
Critical illness insurance (CII) is a type of health insurance. CII coverage can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses like cancer, stroke, heart attack and dementia.
Travel insurance
Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Travel insurance can help protect you from the difficulties that come from unexpected medical expenses
Mortgage protection insurance
Thinking of buying a new home? Your mortgage lender may offer the option of buying mortgage insurance (also known as creditor insurance). But do you really need it? Or do you need mortgage protection insurance instead?
Dental insurance
Dental insurance, included in a personal health insurance plan from Sun Life, can help you manage dental costs including cleanings, braces, crowns and more.
Permanent Life Insurance
A type of life insurance policy that provides you with lifelong coverage to protect your loved ones. This coverage never expires, no matter your age or if your health changes. Permanent life insurance provides a death benefit, which is a tax-free payment your beneficiaries will get after you die.
Business owners
Spend more time running your business and less time worrying about your business. A strong strategy can get you there.
Business owner insurance
Whether you’re starting out or looking for ways to grow your business, business owner insurance can help you protect yourself, your partners and employees and your family.
Business Benefits & Savings
The needs of small businesses are as unique as the people running them. That’s why we’ve created a variety of affordable, customizable benefits and savings plans with the features that matter most to businesses.
RRSPs for Business Owners
Your business may produce surplus above what is needed for your business or personal lifestyle. You can either retain in the corporation or remove and invest personally. Maximizing your RRSPs makes sense for most business owners given a sufficient time horizon.
TFSAs for Business Owners
Your corporation may produce surplus above what is needed for your business or personal lifestyle. If you want to save the surplus for future use TFSA’s may be a good solution, depending on your time horizon and current and future tax brackets.
†Mutual funds distributed through Sun Life Financial Investment Services (Canada) Inc.
**Sun Life Financial Trust Inc. is the issuer of Sun GIC Max and Guaranteed Investment Certificates. Sun Life Financial Trust Inc. is a member of Canada Deposit Insurance Corporation (CDIC). An Insurance GIC is an accumulation annuity issued by Sun Life Assurance Company of Canada.
Have questions?
Here to help answer your questions, provide clarity about products and get you started on the road to achieving your goals.
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.