Three generations, one mortgage
Where grandparents, parents and children share a home, one income often carries more people than a standard calculation assumes. The need also lasts longer, because it does not end when the children finish school.
Brampton
Life insurance advisor in Brampton
Education first, and a conversation only if you want one. I am a licensed life insurance and segregated funds advisor with Affinity Financial Services Inc., working with families and business owners across Brampton.
What tends to come up in Brampton
Arriving in the Canadian system
Registered accounts do not carry over from anywhere else, and the rules take unpicking: what room you have, when it starts building, and what naming a beneficiary actually does here compared with back home.
Owner-operators and the self-employed
No group plan, no sick pay, and income that varies from year to year. Both the protection question and the RRSP-or-TFSA question work differently when nothing is deducted at source.
Young families and the grant clock
The RESP grant is one of the few straightforward top-ups in Canadian personal finance, and the deadline people miss is the end of the year a child turns 17. Starting early is worth more than starting big.
Work it through yourself first
Everything on this site is free and needs no sign-up: the coverage and goal calculators, the Discovery Lab interactives, and plain-language articles on TFSAs, RRSPs, RESPs, FHSAs and insurance. Plenty of people never book a call, and that's a perfectly good outcome.
Where I work
- Downtown Brampton
- Bramalea
- Springdale
- Heart Lake
- Mount Pleasant
- Castlemore
- Fletcher's Meadow
Meetings happen wherever suits: in person around Brampton, Caledon and the rest of Peel, or by video call. There's no charge for a first conversation and no obligation afterwards.