Thomas Carrozzier
Job title: Financial Planner, Sun Life, CFP®, CLU®
Languages spoken: English, Italian
Area(s) served: Alberta, British Columbia, Nova Scotia, Ontario, Saskatchewan
Your trusted team at Sun Life
Our raison d'être is simple: to help families and businesses thrive by offering sound advice that will protect and grow their most important assets. Mens sana in corpore sano (a sound mind in a healthy body) succinctly captures our passion for ensuring clients are offered holistic and comprehensive advice, with the ultimate aim to achieve lifetime financial security and live healthier lives.
After spending the first 14 years of my life in Venice, Italy, I moved to Calgary in 1997. Relocating to a new country, adapting to a new culture, and forming new relationships taught me, at a young age, how to connect with people from all walks of life.
Upon graduating from the University of Calgary with a Bachelor of Arts Honors in Political Science in 2007, I began my professional career by working in the group benefits sector. After a brief stint with a health insurer, I joined one of Canada's largest pension and benefits consulting firms in 2008 as a business development associate, eventually working my way to a directorship level. In these roles, I gained appreciation for the workings of group benefits and retirement plans, and how these form the foundation for the personal finances of many Canadians.
In 2014, shortly after the birth of our son, my wife and I engaged a Sun Life advisor to complement our group coverage with individual life insurance. It was during this meeting that I realized I wanted to work with families like mine to help them realize their financial goals. And although there were a number of avenues I could have pursued, Sun Life's history, reputation, and leadership in financial services made it the partner of choice in building my practice.
Today I can say with confidence I made the right decision. With the help of Sun Life, I have the tools and subject matter experts at my disposal to help clients achieve lifetime financial security and live healthier lives.
Let's work together
Financial planning is about much more than saving and investing. It’s an ongoing discovery process. Through it you learn more about yourself, what you want to accomplish, and how to arrange your affairs to meet your goals.
As a Certified Financial Planner®, my approach is to delve deeper and flush out the details. Before making recommendations, I look to gain a complete understanding of your circumstances. I do this by conducting a thorough analysis of your:
- assets,
- liabilities,
- cash flows and
- objectives.
The clarity I gain through this initial exercise is fundamental. It helps us highlight gaps, formulate strategies, and ultimately adopt specific solutions.
Why do you do what you do?
An introduction to the reasons I became a Financial Planner and why I chose Sun Life!
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
Our philosophy
With respect to our business philosophy, our purpose is to help clients understand their needs and obtain the most value from any decisions they make. When we say we take service seriously, we really mean it. In concrete terms this means that we can be reached easily, we respond to questions and concerns promptly, and we meet with people at a time and in a manner that is convenient for them.
So, feel free to contact us. We would be happy to work together with you to design, implement, and maintain a plan that will help you feel confident about achieving lifetime financial security.
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.
What is a recession and what does it mean for you
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
When should I start saving for retirement?
The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation, nor do they reflect the official position of Sun Life. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.