OUR SERVICES

FINANCIAL & ESTATE PLANNING
     A plan begins with a decision to start! Our handy Organizer will help you!

TAX-SAVING INVESTMENT Plans
     Learn Strategies to lower your income tax.

LIFE INSURANCE
     Determine your need for life insurance and tailor a plan according to your requirements.

CRITICAL ILLNESS & LONG-TERM CARE
   INSURANCE
     Receive a lump sum cash payment should you be diagnosed with a specific serious illness, or you are unable to perform certain activities of daily living and require others to care for you.

DISABILITY INCOME PROTECTION
     If you owned a goose that laid golden eggs, would you insure the goose or the golden eggs? Naturally, you would insure the goose! A well-designed disability protection plan replaces your income should you be unable to work due to sickness or accident.

GROUP BENEFIT PLANS
     Plans are available for businesses and individuals covering life, disability and medical/dental insurance, and prepaid legal services.

PROPERTY & CASUALTY INSURANCE
     Ask us for a quote on your auto, home, tenants, farm or business insurance.
            (arranged through J.C. Sutherland
                           Insurance Brokers)

RETIREMENT INCOME PLANS
     Registered Retirement Savings Plans, Registered Retirement Income Funds and Annuities and other Plans can provide excellent systematic and tax-advantaged income.

SEGREGATED FUNDS
     An investment plan with a guarantee.

CHILDREN'S EDUCATION SAVINGS PLANS
     Have you considered the cost of your child's college education? It's enormous! Enquire about your savings plan options.

CHARITABLE GIVING PLANS
     Leave a legacy to your favourite church or charity and receive a tax break!

FARM AND BUSINESS SUCCESSION
   PLANNING
     An early start can give you peace of and inspire your family and/or employees to make your business profitable.

FUNDING FOR BUY-SELL BUSINESS
   PARTNERSHIP AND SHAREHOLDER
   AGREEMENTS
     Have you considered the adverse impact should a business associate die, suffer a critical illness, experience a disabling accident or sickness, or would like to retire?

WILLS AND POWERS OF ATTORNEY
   PLANNING
             (in conjunction with a lawyer)
     Do you have a Will? Is it up-to-date? Who will give a medical direction on your behalf, or handle your financial affairs, should you be incapacitated?

SPECIAL FINANCIAL & ESTATE PLANNING
   FOR PARENTS OF CHILDREN WITH
   DISABILITIES
     There are preferred options to ensure your loved ones receive the government benefits available to them and are adequately cared for when you are no longer able to do so. Enquiries are welcome.

MORTGAGE REFERRAL AND DEBT
CONSOLIDATION
Have a professional mortgage broker help you shop the market for a low interest rate when you need a new mortgage or you are about to renew your existing mortgage. Check the interest rate on your credit card. We may be able to help you obtain a lower interest and free up funds for either early re-payment of your credit card debt, or to start or enhance your investment portfolio.