About
I’ll help you build a personalized financial security plan. Financial security planning is about more than just retirement planning – it’s about building a financial strategy that considers your immediate needs and your long-term goals and dreams.
About me
Certified Health Insurance Specialist
Investment Representative
Life and Qualifying Member of the Million Dollar Round Table
Office: | 613-342-3905 ext. 20 |
Fax: | 613-865-8484 |
Whether you’re starting a new family, preparing for retirement, or running a business, using an integrated planning process I will work with you or your business to build a customized financial security plan that best fits your needs, helps you manage risk and brings your goals within reach.
I try to provide a holistic role by looking at all aspects of your financial security plan, including helping you plan financially for death, disability and retirement. I aim to simplify things and will recommend products and services that best help you achieve your goals.
Through comprehensive analysis, in-depth market research and the support of a team of highly-qualified tax and product specialists, I can help you make sense of your options.
I started my career as a financial security advisor in 1988 and have steadily grown my practice since then. A strong believer in continuing education, I’ve attained the Chartered Life Underwriter (CLU), Chartered Financial Consultant (CH.F.C) and Certified Health Specialist (CHS) designations. I’m a member of Advocis, the Financial Advisors Association of Canada, and of the Million Dollar Round Table (MDRT).
Philosophy
Financial security planning is about more than just retirement planning; it’s about building a financial strategy that considers your immediate needs and your long-term goals and dreams.
Using the Canada Life security planning process, I’ll:
- Help you define what financial freedom means to you
- Help analyze your current situation, goals and dreams
- Help identify any roadblocks to achieving your goals
- Work with you to build a financial security plan that considers your short and long-term goals
- Regularly review your financial security plan, ensuring it evolves with your changing needs
Four cornerstones of financial security planning
Whether your goals are long-term (such as retirement) or more immediate (such as starting a business or saving for a child’s education), I can help you build a financial strategy tailored to your needs and those of your family. In developing your financial security plan, we’ll consider the four cornerstones of financial security planning:
- Financial security at death
- When you die, how can you help safeguard your estate for your family?
- How much income will your family need?
- How will inflation affect this income?
- Retirement
- Would you like to retire early or reduce the time you spend working?
- When you retire, what type of lifestyle do you envision?
- How much income will you need to retire comfortably?
- How will inflation affect this income?
- Liquidity
- Do you have access to cash or liquid assets (i.e. assets that can be easily converted to cash)?
- Disability and critical illness
- How would a critical illness or disability affect your income?
- Would a reduced income affect your retirement savings and would this reduction affect your lifestyle?
- How much disability or critical illness insurance coverage is enough?
- If you become critically ill or disabled and take time off work, how will inflation affect your income?
- If you become critically ill or disabled, will provisions in your group plan allow you to continue saving for your retirement?
Life stages
I want to understand your needs, recognizing they may change as you proceed through life’s stages.
Early Career
As you start your career, you may want to:
- Purchase life and disability insurance to cover your income or protect your ability to earn an income
- Purchase term life insurance or critical illness insurance as a cost-effective way to cover an outstanding mortgage or debt
- Purchase health and dental insurance coverage if your employer does not offer a group benefits plan
Family
Having children changes your life and your needs. Now is a good time to:
- Review your financial security plan
- Plan for your children’s education with options such as registered education saving plans (RESPs)
Business Owner
If you own your own business, you may want to:
- Consider business continuation, buy/sell agreement funding and key person insurance as part of your business planning
- Buy insurance to help cover outstanding business loans or mortgages if you die or suffer from critical illness
- Purchase a health and dental insurance plan
- Consider group insurance options for your employees
Retirement
If you are retired or plan to retire soon:
- Insurance can help supplement your income and can help you leave a legacy
- Health and dental insurance coverage can take over if your benefits through your employer end upon retirement