William Hins
Job title: Advisor, Sun Life, BBA
Languages spoken: English, French
Area(s) served: Newfoundland and Labrador & Québec
Trustworthy advice you can count on
Your financial strategy should be as unique as you are. Whether you’re just starting out, about to enter retirement, or somewhere in between, a strong financial roadmap can help you reach your short and long-term goals. Let’s work together to protect what matters most to you and help you secure your future. Reach out to get started. Let’s get you there.
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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Now Retired: How Do I Withdraw Funds Without Running Out of Money?
Retirement isn’t just about saving, it’s about drawing income wisely. Once you’re no longer working, the key question becomes: How do I make my money last?
This means having a clear withdrawal strategy that balances income needs, tax efficiency, and long-term growth.
You may be withdrawing from several accounts, such as:
• RRSPs/LIRAs, which must be converted to RRIFs or LIFs by age 71
• TFSAs, which offer tax-free withdrawals
• Non-registered investment accounts, which are more flexible but may have tax implications
A proper plan ensures you’re not withdrawing too much too soon, and that you’re making the most of tax-efficient income options.
Let’s chat if you’re unsure where to start. Your retirement should feel secure, not stressful.
William.Hins@sunlife.com
709-944-0769
www.sunlife.ca/William.hins
Retirement isn’t just about saving, it’s about drawing income wisely. Once you’re no longer working, the key question becomes: How do I make my money last?
This means having a clear withdrawal strategy that balances income needs, tax efficiency, and long-term growth.
You may be withdrawing from several accounts, such as:
• RRSPs/LIRAs, which must be converted to RRIFs or LIFs by age 71
• TFSAs, which offer tax-free withdrawals
• Non-registered investment accounts, which are more flexible but may have tax implications
A proper plan ensures you’re not withdrawing too much too soon, and that you’re making the most of tax-efficient income options.
Let’s chat if you’re unsure where to start. Your retirement should feel secure, not stressful.
William.Hins@sunlife.com
709-944-0769
www.sunlife.ca/William.hins
Simply Put: What is an RRSP?
Unlock the power of RRSPs! 🔐💰
Watch this video to learn how RRSPs can help you save for retirement, defer taxes and potentially pay less tax in the future.
William.Hins@sunlife.com
709-944-0769
www.sunlife.ca/William.hins
Watch this video to learn how RRSPs can help you save for retirement, defer taxes and potentially pay less tax in the future.
William.Hins@sunlife.com
709-944-0769
www.sunlife.ca/William.hins
En termes simples - Qu’est-ce qu’un REER?
Découvrez la puissance des REER ! 🔐💰
Dans cette vidéo, vous découvrirez comment les REER permettent d’économiser pour la retraite, de reporter l’impôt et même de le réduire à l’avenir.
William.Hins@sunlife.com
709-944-0769
https://conseiller.sunlife.ca/f/william.hins/
Dans cette vidéo, vous découvrirez comment les REER permettent d’économiser pour la retraite, de reporter l’impôt et même de le réduire à l’avenir.
William.Hins@sunlife.com
709-944-0769
https://conseiller.sunlife.ca/f/william.hins/