Personal Financial Planning

• Access to segregated funds and interest deposit plans (RRSP eligible)
• Creditor-protection from personal and business creditors
• 100% Stock market guarantees
• Probate avoidance
   
• Family income protection planning with life and disability income plans
• Term Life insurance
• Investment life insurance plans for additional tax sheltering
   
• Critical illness insurance
• Lump-sum pay-outs for major illnesses and conditions, such as:
• Cancer
• Heart Attack
• Stroke
• Alzheimers, and many more conditions
   
• Estate preservation, enhancement and distribution planning
• Capital gains tax planning, and estate leveraging and enhancement
• RRSP/RRIF protector plans (pays the income tax on RRSP/RRIF residuals going to your children
• Tax-advantaged bequests for children, grandchildren or favorite charity

Business Financial Planning

• Design and implement programs to attract and retain quality employees
• Group life, disability, medical and dental plans
• Group RRSP plans
• Deferred compensation and other programs for key employees
   
• Plan for business continuation in the event of death, disability or retirement of owner, key person, partner or shareholder
   
• Shelter investment income on retained earnings from taxes and provide retirement income for owners
   
• Shield personal investment assets from business creditors and liability claims