Castlegate Financial Solutions Inc.

Job title: Financial Planner, B.A., CFP®

Area(s) served: Saskatoon and surrounding areas

Secure your future

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Your Gateway to comprehensive financial strategies

Historically, castles were built as fortresses to protect people. CastleGate embodies security and longevity, safeguarding families, communities, and heritage for generations. The Gate symbolizes protection while also offering a warm and welcoming entrance. This approach is essential for building trusting relationships and creating robust financial plans. The CastleGate team maintains confidentiality and leverages their in-depth industry knowledge to develop comprehensive financial strategies tailored to your needs.

Let’s protect your legacy. 

Our commitment

Enter, secure, bridge, defend

The Guardian Process

For nearly 30 years, we have been trusted guardians for Clients and their families. As defenders and protectors of their futures, we provide accurate information and well-thought-out advice to help families and family-run businesses build lasting foundations.


ENTER: Join us for a discovery meeting to gather information and see if we are a good fit to work together.

 

SECURE: Based on our findings, we'll provide tailored recommendations and outline a plan of action.

 

BRIDGE: We implement your plan, helping you visualize the path from today to a secure tomorrow, while sharing new opportunities along the way.

 

DEFEND: We regularly review and adjust your plan to protect your future, ensuring it stays updated with any life changes.

Products and services

Browse through the product and services offerings below to learn more. Every financial and protection strategy is different. When we meet, we’ll discuss what might be right for your unique situation. Reach out if you have any questions or are ready to get started.

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.

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.

Saving, budgeting and investing

Reaching your financial goals starts with a budget and savings plan. Let’s make your money go further.
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Stay informed

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How much life insurance is the right amount? Let’s set up some time to discuss the details such as how long you need it and what kind might be right for you. You can walk out feeling more confident and educated on your options.


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.
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Sunlife
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.