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
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Investments
Make the most of your savings and investments. There are many different investment, income and retirement options to choose from.
High net worth and affluent
Securing the future for the next generation is only an appointment away. Let’s talk about your legacy.
Business owners general
Helping business owners take control of their finances one step at a time.
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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Ready to revolutionize your portfolio’s growth strategy? 📈🚀 #AssetManagement #FinancialPotential
Ready to revolutionize your portfolio’s growth strategy? 📈🚀 #AssetManagement #FinancialPotential
How to make retirement savings last
Retirement isn’t just a finish line, it’s a new chapter that deserves a solid plan. This article shares practical ways to start preparing, no matter where you are in the process. And while general advice is helpful, personalized guidance makes all the difference. We’re here to help you create a plan that fits your life, your goals, and your future. Contact us to book an appointment!
Life insurance might seem complicated, but it doesn’t have to be. This quick video breaks down the basics: what it is, how it works, and why it might be more important than you think. Everyone’s situation is different, and the right coverage depends on your unique needs and goals. If you’re not sure where to start, we’re happy to walk you through it.
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.
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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Office information
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.