Disability insurance can provide you with a portion of your income if you were to become disabled and unable to earn an income.

Critical illness insurance provides a lump sum payment so you can focus on your recovery.

If your loved ones depend on you for financial support, then life insurance is absolutely necessary because it replaces your income, pay off your debts and provides peace of mind.

A financial plan looks at where you are today and where you want to go. It determines your short, medium and long term financial goals and how you can reach them.

A tax free savings account can be an effective way to save for the future as your savings will grow more quickly due to the fact that you do not pay any tax on the earnings.

A registered education savings plan (RESP) is an investment account geared towards saving for a child’s education. The investments inside the account can grow tax free and the big benefit though is that the government will pay a grant into the RESP.

A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the financial security of a person who is eligible for the disability tax credit. The government will also pay a grant into the RDSP.