You get home from work, your spouse is tired, and the baby just spilled spaghetti all over the carpet. Your older child got suspended from school for cutting his friend’s hair. After dinner, you can barely think straight.
Right now, you are at one of the most difficult stages of your life.
Your peak earning years are usually a decade or more away, and diapers aren’t cheap – neither is that house and white picket fence. Having a baby can cost $9,000 per year. Navigating your family life requires careful budgeting and risk management. You have to save, pay the mortgage, buy insurance, invest for retirement, and hopefully have enough left over to take your family to a sporting event or another fun activity.
At this stage of life, it can be easy to justify avoiding insurance and investing for the future. After all, you are young; retirement is decades away. However, insurance is cheaper the younger you are, and the earlier you start investing, the more compounding returns can work in your favor.
Many people will offer you advice on which investments to buy. But there’s more to your financial life than your RRSP. Estate taxes, income…
Mortgages
Using an Independent Mortgage Broker can SAVE you thousands of dollars in interest payments. And that’s MONEY you can use…
Life Insurance
Term life insurance is the most basic of life insurance products in that it has no savings component, and thus no cash value. By the name…
Tax Free Savings Account
The TFSA is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to…
Disability Insurance
Everyone who enjoys good health hopes it will last for a lifetime. But it doesn’t always turn out that way. Sometimes life throws…
Educational Savings
RESPs are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The…
Critical Illness Insurance
A critical illness can happen to anyone. And it does happen to many. Canadians are more likely to experience a critical illness than they are…
Will
A will is a written document, properly signed, which: (1) specifies who is to administer the estate (the executor), (2) specifies what is…
About Us
We serve individuals, families and businesses in the Abbotsford area. Our primary goal is to help each client meet their unique financial goals. We are never satisfied until you are.
