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Owner/Manager Clients Reviewing with clients the financial implications their death or disability, or that of a key employee, could create for their family and business is an important part of the firm’s effort to assist clients to identify, quantify and third party these risks. The following questions are intended to assist you to assess these…
When deciding between Whole Life and Universal Life insurance, understanding both the similarities and differences is key to determining which policy best suits your needs. How are they similar? Both Whole Life and UL insurance are types of permanent life insurance, providing coverage for the insured’s entire lifetime. They build varying amounts of cash value…
When considering life insurance, many people wonder, “How old is too old?” It’s often perceived that certain ages render it too late to benefit from life insurance, but this isn’t necessarily the case! Many individuals, including those in their 70’s and 80’s, up to age 85 having average health, are in fact insurable and can…
Navigating the future of your wealth and legacy involves critical decisions and strategic foresight. We know just how daunting managing wealth and making decisions surrounding its transfer can be for both individuals and business owners. The reality is that there are but three and only three potential destinations for your wealth and they all coincidentally…
Most people do not like to consider their own mortality – I know I sure don’t. And this is why the discussion of estate planning is often a neglected aspect of financial planning. But with our aging population, in fact one statistic indicates that 1 in 4 Canadians will be a senior by 2030, the…
As a trusted advisor myself with over three decades of experience, I know that the role of a trusted advisor transcends the boundaries of traditional advice. You are placed at the heart of your clients’ financial story. And your clients expect that the unique financial planning strategies that you craft for them not only preserves…
In the beautiful Gulf of Alaska, a remarkable natural event occurs where the sediment-rich waters from glacial rivers meet the open ocean. Known as “the place where two oceans meet,” this site visually exemplifies how distinct entities interact yet resist blending. Much like these merging waters, family wealth comprises two distinct realms: the lifetime pool…