Life Insurance is not the one trick pony of the past, there are now many choices in how you structure it. From Term Life which allows you to choose the coverage period, to Whole Life which provides a lifetime of protection to Critical Illness. Unfortunately, our health is sometimes seriously affected and Critical Illness provides coverage to protect our families from the financial burden of our illness. If you are at a point where you don’t want to think about end of life, think about beginnings. It’s time to start your own chapter in the form of home ownership. You’ve done your research, found your new haven and negotiated your mortgage. Before you sign the papers, understand how to protect your investment. Should you decide to add children to your equation, you hope they will move on to post-secondary education. Planning early can provide the financial education they need before they incur the debt which could come with it. Each stage of life brings an opportunity to review your current financial standing and adjust for the future. It can be hard to know all your options and sometimes even harder to see the forest for the trees when reviewing your own assets. If you’d like some help, we’re here. ]]>
Unfortunately, we are not bears and are not afforded the luxury of shutting ourselves down for a few months. At a time where all you want to do is snuggle under a blanket on the couch and binge watch all the shows you missed while doing yardwork, the demands of family, friends and work dramatically increase. Tis the season of holiday shopping, parties and entertaining. Tis the season to exert extreme drain on our energy, wardrobe and pocketbook. Tis the season to spend.