Baldwin & Associates Financial Services Ltd.
Job title: CFP®
Languages spoken: English
Area(s) served: Alberta, BC, Saskatchewan
Guiding wealth with wisdom and integrity
In my decades of working with successful individuals, families, and business owners, I’ve learned that wealth demands more than generic advice. It requires discretion, intention, and a deep understanding of what you’re working hard to protect.
My role isn’t just to manage money, it’s to serve as a long-term partner in building, preserving, and passing on your legacy. Every recommendation I make is rooted in careful analysis, thoughtful planning, and a genuine understanding of your priorities and this industry.
I take time, because your financial life deserves it.
How I Help Clients:
- Legacy-Driven Wealth Planning: Strategic financial planning designed to help grow, protect, and seamlessly transfer wealth across generations
- Discerning Investment Management: Customized portfolios aligned with your risk profile, values, and long-term vision
- Private Insurance Solutions: High-value life, disability, and long-term care strategies to help safeguard your family and estate
- Tax-Sensitive Retirement Planning: Advanced planning to help preserve lifestyle while minimizing unnecessary tax exposure
- Business Owner Strategies: Succession planning, key-person protection, and liquidity strategies for closely held enterprises
- Multi-Generational Guidance: Estate and wealth transfer planning to help ensure your values live on with your assets
If you’ve outgrown basic advice and are ready for a more thoughtful, private, and strategic approach, I invite you to connect.
Your legacy deserves more than ordinary. Let’s build something lasting.
Who we service
Learn more
Investments

High net worth and affluent

Business owners general

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.

