Your Roadmap to Retirement Online Events

The conversation of estate planning might be one of the most difficult
conversations you will ever have with your family and loved ones. However, with an estimated 90% of wealth transfers failing in Canada, we believe it is a conversation worth having.

Please join Mike Kat, Director of Wealth Distribution at Sun Life Global
Investments for an in-depth conversation surrounding the complexities and challenges Canadians are facing when transitioning their wealth to their loved ones. Specifically, Mike will discuss some of the financial as well as emotional costs of settling an estate and how these can be minimized through proper estate planning.


March 9th, 2021 at 2:30 PM CST


March 11th, 2021 at 7:00 PM CST


Register in advance for this meeting.

Simplifying an estate doesn’t have to be complicated.

For more details or to ask questions, contact us.


Grow Money for Nothing?

Our spending habits have changed this year. Some have taken advantage of special offers or spent the money they had saved for holidays on toys to use around home. Some have been holding on to all their money waiting to see how everything plays out.

Are you looking on how to grow your money? Now is the time to save and invest. Manulife currently has a special offer you’ll want to take advantage of sooner than later as the earlier you contribute, the more you’ll earn!

Clients with Tax-Free Advantage Account (TFSA) or Registered Advantage Account (RRSP) will earn 2.00% until April 30, 2021 on new deposits made between December 1, 2020 and March 12, 2021. Whether you’re trying to save for short or long-term goals, your money remains fully accessible, for better flexibility in a time of uncertainty. 

If you’re ready to take advantage of this great opportunity to earn “free” money, contact us.


Looking for Gift Ideas for the Person Who Has Everything?

The holiday season is a time we normally spend time searching for the perfect gift for our loved ones. This year may make the gifts a more important part of the season as spending time may be limited due to the pandemic.

If your family members are elderly or have cognitive impairment, the restrictions may cause even more stress than usual during this time. One way to alleviate some of that concern is with the MyDignity Homecare Assistance Program, the perfect gift for peace of mind.

Learn more about this program and how it can help.


Why Homecare Assistance Plan?

In the event of a loss of independence and/or cognitive impairment one will have the means to select the appropriate level of care and avoid placing physical and financial hardship on the family. Above all it preserves your dignity. It allows you to remain in your own home rather than being placed in a facility, while maintaining everybody’s standard of living and protecting the family’s financial security.

There are 2 ways one qualifies for benefits:

1) A monthly income or service becomes payable when the insured needs the help of another to accomplish at least two of the following activities of daily living (loss of independence):
(Transferring, Bathing, Dressing, Toileting, Continence and Eating)

Generally, one loses their broader mobility skills first, which affects transferring and bathing simultaneously, followed closely by the loss of finer motor skills which in turn affects one’s ability to
dress and feed themselves. The loss of self-toileting skills can be either a function of loss of mobility and balance or a consequence of the normal aging process.

2) A monthly income or service is also payable if the insured becomes Cognitively Impaired i.e. has a loss of ability to reason, perceive, think, reflect or remember.

People prefer to be cared for in their own home rather than being relegated to a facility. The cost for homecare varies largely according to location and the type of care required. Today the cost for care can range from $400-$500 a week for minimal care such as assistance with bathing, light housekeeping, meal preparation and laundry to $1,200-$1,500 per week which might include skilled nursing care, specialized medication administration and wound management. The cost in the future is anticipated to increase in proportion to the demand. This brings us to a very sobering fact: The coming demographic with the avalanche of boomers will be unprecedented and will affect all levels of health care, both acute and long term.

Each one of us bears a responsibility to act as our own advocate and plan for our own care when the time comes. Many mistakenly believe the government will take care of their needs when the time comes.
They could not be more wrong. Any government assistance covers only the most basic care in what are sometimes far less than desirable settings.

Why MyDignity Inc.?

Even though long term care insurance is the logical solution, this solution comes with its own set of issues. The conventional long term care products in the market place not only require full underwriting, they are difficult to obtain as over 50% of applicants are declined, and they are unfortunately much more costly and out of the reach for most Canadians.

MyDignity Inc. is pleased to provide a proprietary simplified issue (CARP endorsed) homecare assistance plan, underwritten through established Canadian insurers, that is easy to obtain and affordable. Underwriting consists of a short health declaration allowing for a 95% approval rate.

For more information on a specific issue or assistance related to the aging process and our homecare assistance plan, please refer to our website.

Watch the MyDignity (Your Care Your Way) Video to learn more:


Ask Me How You Can Earn 2.15% Interest

Sometimes a little can do a lot to help keep a financial plan on track. Like having a bank account that does double duty – as a personal savings account and a versatile chequing account at the same time. The Manulife Bank Advantage Account does just that, and we’re really pleased to be able to ffer an introductory 4-month 2.15% interest rate offer* for our clients who open an Advantage Account by October 31, 2020.

  • You keep earning daily interest after the introductory offer ends (currently 0.15%) You can bank for free* when you keep just $1,000 in the account
  • Pay no monthly account fee
  • Make unlimited free transfers to and from your accounts at other Canadian banks
  • Get easy access to cash at thousands of bank machines across Canada
  • Bank anywhere, anytime, using online banking and their top-rated mobile banking app

If you’re ready to open an Advantage Account now, don’t hesitate. You can apply online in less than five minutes, using our personal link:

We’re also available to discuss how we can use and Advantage Account to help make your money work harder and reach some of your financial goals faster. Contact us!

*The 2.15% promotional rate is for a new personal, non-registered, Canadian-dollar Advantage Account. The promotional interest rate is made up of regular posted annual variable interest rate of 0.15% and the variable annual promotional rate of 2.00%. Interest is calculated daily and paid monthly on net new deposits for the first 120 days (4 months) after account opening to a maximum of $250,000. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per client and cannot b combined with other offers. The offer and rates are as of September 17, 2020 and subject to change without notice. See full terms and conditions and visit for current rates.

**Interest is calculated daily on the total daily balance and paid monthly. Rate is subject to change without notice.

***Everyday banking fees for ABM cash withdrawals, direct payments (debit), e-transfers and bill payments are waived when the account balance is $1,000 or more. All other everyday withdrawal and deposit transactions are free at any balance. Visit for additional details.