When planning for your financial future, there’s a lot to consider, especially if you’re doing it on your own. “What are my needs? Are there any risks that I should be aware or wary of? Do I need insurance? How much? What kind? Where should I get it?” Lots of questions, and finding accurate, up-to-date answers can feel quite daunting at times…more

You own your own business and recently, you’ve heard some talk about estate freezes. So, what exactly is an estate freeze and should you consider implementing one?...more

When considering the purchase of insurance, the various available options can be a bit perplexing and stressful. Your advisor’s role is to analyze your particular situation and help you choose the best combination of coverage and payment options…more

Whether it’s through our money or our time, we’re all charitable in some form or another. But planning a charitable gift in a Will can be fraught with difficult questions like “am I going to disinherit my loved ones?”…more

Wow, you’ve been asked to be an executor (or liquidator in Quebec) – what a great privilege… or is it? Before you say yes to this momentous role, here are a few things that you should consider…more

If you want a basic understanding of your life insurance options, here’s the 101. All life insurance plans start with the same basic precept. The policyholder pays a premium in exchange for a tax-free lump sum benefit that’s payable to their selected beneficiaries upon their death. But there’s more!

We reached out to friends and colleagues at some of Canada’s most prominent community foundations to help answer one of the most commonly asked questions about charitable gifts in Wills: How do charities use the gifts that are left to them? The answers we got shed some light on how important donations left in a Will are, and what a big impact they can have on a cause…more

What happens when the time comes and your beneficiary needs to claim the proceeds of your life insurance policy? It will already be a difficult time for your beneficiary and you want to ensure that the process does not add more stress…more

Did you know that nearly 10 percent of Canadians ages 12+ are affected by a mood disorder (1)? A mood disorder refers to a general emotional state or mood that interferes with one’s ability to function – major depression disorder (MDD), anxiety and bipolar disorder (BP) are all commonly recognized mood disorders. However, did you know that seasonal affective disorder, a form of depression, is also a mood disorder? more…

Mental health itself is nothing new. However, the ways in which we understand and approach issues related to mental health in society, and in the workplace, are constantly evolving. This is especially visible in the insurance industry, where mental health challenges account for a high percentage of long-term disability (LTD) claims, and are therefore a costly expense for many businesses – does this sound familiar to your business? more…