Insurance Planning & Risk Management

Don’t think of it as just the safety net for your wealth management plan (nice to  have in place, just in case). These days, insurance planning can also be designed to meet specific investment and estate planning objectives.

We work with Canada’s leading insurance providers to manage the risks and maximize the opportunities at every stage of your personal and professional life.

What should I consider with insurance planning? 

• Protecting your current income. 
• Sheltering your investments.
• Supplementing your pension at retirement.
• Providing for accident, illness or disability.
• Protecting your business against the loss of key personnel.
• Providing employees with group insurance and retirement plans.
• Planning your business succession.

We can help you implement a program that strengthens and safeguards your family’s financial security through a personalized plan. 

Insurance Planning Questions We Help Answer For Our Clients

• What are the key risks we have to plan for?
• Do we have the appropriate types of insurance and amounts for our goals?
• Do we have adequate cash reserves?
• Is our income and cash-flow plan sustainable?
• How do we plan for market downturns?
• Can we afford a retirement home and/or Long Term Care if required?
• How can we use Life Insurance as an investment?
• Is our business well protected?

Insurance & Risk Management  Resources

Below we have generated a number of articles you may find interesting when considering your future needs and lifestyle into retirement.

• If I Had A Million Dollars
• How Much Income Do You Need In Retirement

Other Resources:

• Medical and Health Care Options for Retirees – Jack Lumsden, CFP®
• Smart Tax Strategies for Retirees: Keep Track of Health & Medical Expenses – Jack Lumsden, CFP®
• What are the key items to consider when reviewing your insurance needs? – Jack Lumsden, CFP®