Retirement Planning

Planning ahead while still young is the best approach to retirement and estate planning.
There are many ways to grow your wealth but not many with guarantees and managed volatility.
We work to establish your risk tolerance and goals for retirement. We then present you with options to grow your money based on your risk experience. Time is truly on your side when growing a portfolio.
The right kind of insurance mixed with the appropriate investment can help with tax planning and probate issues after death. Planning now can put more money in your beneficiaries hands once you are gone instead of the government and lawyers.
Seggregated funds can offer many advantages over other investments because they bypass probate, minimize taxes, and are creditor protected. Ask us about the tax effective savings.

Critical Illness Insurance

It is forecast that one in two people will get some form of critical illness in their lifetime and the majority live through it for many more years.
Should a critical illness strike, get peace of mind that you and your spouse can afford to take time off to heal. Stress is a big contributor to illness, and being able to rest is an important part of healing. This is living insurance that helps protect your wealth and standard of living with a lump sum payout to be used any way you see fit. Ask us about the return of premiums - a no loss solution.

Life Insurance

Managing risk is integral to ensuring ones' survivors are cared for when death comes. We are able to show you when term insurance is appropriate for short term needs and how new hybrid permanent insurance is used for estate planning and passing on wealth generationally.

Insurance for kids is important for guaranteeing their insurability while they are healthy. Then when they get older and needing risk management, they can get it.

Buying only term insurance can be one of the biggest mistakes people make when planning for their needs. Term gets increasingly more expensive with age until it's more expensive than permanent insurance. Coupling term with permanent insurance is a wise use of money and guarantees that money is passed along to your desired beneficiaries. Most term insurance never pays out. Permanent is needed for good estate planning.

New Hybrid forms are bringing the benefits of permanent insurance together with saving/investing components with very competitive pricing. Ask us how...

Disability Insurance

Your most important asset for making money is your ability to work. If that is jeopardized, your standard of living and future goals could be compromised. Ask us about a plan that works for you.