Everything You Need to Know
General Questions
A financial advisor helps you plan, protect, and grow your money through insurance, investments, and retirement strategies tailored to your goals.
You can manage on your own, but a financial advisor helps you avoid mistakes, save on taxes, and create a strategy that fits your life.
It depends on the service. Some products are commission-based, others are fee-based. I always explain clearly before we start.
Yes. I work with multiple insurance and investment companies to find the best fit for your needs, not just one provider.
Yes, many insurance companies have options for newcomers—even without a long Canadian credit history.
The younger and healthier you are, the cheaper it is. Starting early locks in lower rates.
You can book directly through my website, by phone, or via email. The first consultation is always free.
Coverage & Packages
Life insurance pays a lump sum to your family when you pass away. Critical illness insurance pays you if you’re diagnosed with a serious illness like cancer, heart attack, or stroke.
Work coverage is often limited and may not fully replace your income. Personal disability insurance gives you stronger protection.
Term life covers you for a set period (10, 20, or 30 years). Whole life lasts forever and builds cash value you can use.
It depends on your family, debts, income, and goals. A common rule is 10–12 times your annual income.
RESP is only for education. Whole life insurance builds cash that can be used for education, a first home, or anything in life.
Yes. It protects your business, reduces taxes, and creates a tax-free payout for shareholders or family.
Group benefits are through your employer and may be limited. Private insurance is personalized and stays with you no matter where you work.
Yes. Without an employer plan, self-employed people are 100% responsible for their own protection.
Claims & Support
Anything you want—medical costs, mortgage, business expenses, or simply living expenses while you recover.
Living benefits pay you while you’re alive if you face illness, accident, or disability. They protect your income and lifestyle.
Your policy may end, or the cash value (if any) may cover payments for some time.
It can take from a few days to a few weeks, depending on the type of insurance and medical checks.
It’s life insurance with savings inside. You can borrow from it or withdraw cash while keeping your coverage.
A needs analysis with a financial advisor will calculate the right amount based on your situation.
It’s making a plan for how your assets are passed on to your family, while minimizing taxes and legal issues.
Yes. Insurance can create tax-free benefits, cover final taxes, and protect corporate assets.
Billing & Account
A Tax-Free Savings Account lets your investments grow tax-free. You can withdraw anytime without paying tax.
A TFSA is flexible and tax-free on withdrawals. An RRSP gives you tax deductions now, but withdrawals are taxable later.
Yes, and many Canadians use both for a balanced savings strategy.
It’s a new account that helps first-time homebuyers save up to $40,000 tax-free for their first home.
Contributions reduce your taxable income, which means you pay less tax today.
They can go directly to your spouse or beneficiary. If not, they may become part of your estate and subject to tax.
Open an RESP and the government adds up to 20% in grants on your contributions.
Still Have Questions?
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