Vitalis Financial Services Inc.
Languages spoken: English
Area(s) served: British Columbia, Yukon, Ontario
Know your way forward
Whether you’re starting your business, developing your practice or considering stepping aside, We offer vision, know-how, plus industry-leading wealth and insurance solutions to business owners who need advice to manage complex financial situations.
Vision
We’re a multi-generational family-focused firm that can help provide you and your family financial peace of mind.
Mission
Continuously serve Clients with professional, innovative and personalized insurance, investment, estate and tax planning solutions.
Create a long-term relationship built on trust and integrity, while understanding that your needs evolve as your life changes.
Our firm’s investment philosophy and commitment:
At Vitalis, we prioritize full transparency, ensuring that all fees are clearly disclosed as part of the planning process. We understand that lasting wealth is built on a strong foundation, which is why we take a conservative yet strategic approach—balancing both short- and long-term savings strategies to help fund your future goals with confidence. Our team stays ahead of the curve, continuously adapting to market trends, regulatory changes, and innovative financial strategies to provide you with the best possible guidance we can. At every stage of your financial journey, we implement tax-efficient strategies designed to optimize your investments and maximize your net returns, allowing you to preserve more of your wealth. By combining experience, foresight, and a Client-first approach, we help you navigate the complexities of financial planning and create a future that aligns with your goals.
Products and services
Health insurance products
Life insurance products
Saving, budgeting and investing
Client testimonials
“Above all, I must say I’m extremely satisfied with Laura and her management of my resources. It has been very rewarding and productive, which is probably the most important thing. With her professionalism and timely financial recommendations about what to do with my funds in the short- and long-term, I must say that it now seems I may enjoy financial stability for the next 30 years.”
Dr. J M. S. Retired Associate Professor of Linguistics Simon Fraser University
“My wife and I have had the pleasure of dealing with Vitalis for over a decade now. Laura Monteiro has been a steadfast professional and a trusted advisor to us for years. We have been perfectly happy with every single interaction along the way. She has carefully looked after our entire family and cares deeply about our financial future, as well as us as individuals.”
B. M.
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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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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.
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