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Planning for Families

Finances are emotional, finances are personal, and for family’s finances are one of the leading causes of divorce in Canada. This alone is a good reason to put a plan in place for your family. One of the greatest strengths of our advisors is their ability to listen. We not only listen to you, but we want to hear what you have to say.

We work with families every day to help them make sound financial decisions, map out a roadmap to their destination, and get on track with their finances. Imagine how you will feel when you have a step-by-step plan addressing your key concerns and ensuring that all of your resources are working in harmony towards your life goals.

We understand that there is no shortage of marketing material that will be pitching different investment and insurance options for your next dollar, so we encourage you to take time to make sure you are working with someone who understands your values and puts your interests first. We’ve outlined some more food for thought below;

Budgeting & Cash Flow

Before investing, consider setting aside an emergency fund of a few months living expenses. Avoid taking on excess debts, and consider reverse budgeting (set aside your monthly savings automatically, allowing you to spend what’s leftover).

Life & Disability Insurance

Life Insurance: Ask yourself, what does your family’s life look like (financially) if you do not come home tomorrow? If the answer is that they would need money to meet that quality of life (for many years more) then life insurance is needed to fund that deficit.  

Term Life Insurance can protect one of your most important assets – your ability to earn income- and it is relatively cheap, in many cases costing much less than your monthly TV subscription… 

Disability Insurance: Disability Insurance pays a monthly benefit if you are unable to work due to accident or illness.


Utilize your Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA) to capitalize on the significant tax benefits and sheltered your investment growth from income taxes and start saving for the long-term. Not sure what you should be investing in? That’s why we’re here to help.

If you have children, consider taking advantage of the Registered Education Savings Plans (RESP) for post-secondary education where the government will give you annual grants matching 20% of your contributions (up to $2,500/yr).

For professionals and/or business owners, click here for more info.

Estate Plan
Create (or Update) a Will/Powers of Attorney. This will ensure your dependents are taken care of if something tragic happens. At a minimum, it will determine who takes care of your children and who will look after their finances. Review and update any beneficiary designations on your investment accounts and life insurance policies, as these beneficiaries will most often override what is written in your will.

Interested in learning more?

Download our free educational guides here.

It is our strong belief that to be successful in reaching your goals it is necessary to have a plan in place and to follow a process. That is, to make your life and financial decisions not by accident but by design.

Remember, successful people ACT towards the future they want!

Our Clients

Their honesty and customer service is right up there, with the knowledge and recommendations on where investments should be made. When it’s time for a change Tim is always honest with us on where any changes should be made.

Janet McDonald

To me, it is their personalized service. When something happens, you can go in and discuss your options. The whole team knows your plans, listens to your needs, and can help you make adjustments.

Richard Dumoulin

They are very courteous, friendly and find them very professional. They are good at taking care of time sensitive matters and you get a general sense of being taken care of.

Ginny Blair

The fact they take time to discuss with you their knowledge base, they give you all the options then give you their opinion and let YOU make the final decision.


Their integrity and 1-on-1 communication skills, always personable. Tim and his team make you feel comfortable no matter how much you are investing.


Contact us to


Together, we’ll put the right plan in place and get the process started to helping you reach your goals.