Insurance Planning

Insurance Planning is usually about risk management.  Life insurance is meant to protect the largest economic engines in most families – your income earning power.  Similarly, disability and critical illness insurance provide benefits when your income earning power is impacted by unforeseen health events.  All of these types of insurance are usually designed to provide tax free cash when needed.  We use a variety of tools and a strong brokerage relationship with most major Canadian insurers to provide you with advice on the best insurance solutions.

We also, where appropriate, use insurance as a wealth management tool.  Here the issues are more complex, but the opportunities for creative planning for high income earners or high net worth clients are often excellent.