Your needs as an individual or business owner shift depending on your stage of life. We’ll consider the following when developing your financial plan:

When looking at your retirement and savings goals, I create financial plans that match your risk tolerance and goals. What kind of lifestyle do you see for yourself in retirement? How much money will you need to retire comfortably? What impact will inflation have on your income?

	Your most valuable asset is your ability to earn an income. Choosing the right combination of life, critical illness and disability insurance products can help protect this income. In order to reach your short, medium, and long term goals you may want to start saving early and create an investment plan that matches your risk tolerance. We can use your RRSP, TFSA and non-registered accounts to help you reach this goal.
	Once you have children, your needs change – it’s a good time to review your financial security plan. Plan for your children’s future through registered education saving plans (RESPs).
	If you own your own business, a health and dental insurance plan may be tax-deductible as a business expense. People are a key resource for your business, and so we offer a variety of group insurance options. Group registered retirement savings plans (RRSPs), individual pension plans and other compensation models may be of interest. Business succession and retirement planning are other areas that we can work through the planning process to provide customized solutions.
	If you’re aged 50 or older, chances are you’ve either already retired or are thinking of retiring. The five years before and five years after retirement have a large impact on your retirement plan. It is good to review your portfolio and create a retirement plan that matches your risk tolerance and goals. Insurance can help supplement your retirement income, pass on the family business/cottage or help you leave a tax-free legacy.