Moved east to afford more house
Trading commute for square footage usually means a larger mortgage carried by the same income. The coverage question is not about the house, it is about what would have to happen to it if one income stopped.
Durham Region
Life insurance advisor in Durham Region
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 people across Pickering, Ajax, Whitby and Oshawa.
What tends to come up in Durham Region
Commutes that eat the weekdays
An hour each way leaves little room for a daytime appointment. Most of these conversations happen by video call in an evening, which is also easier to reschedule than a drive into the city.
Workplace pensions change the maths
Where a defined-benefit pension already provides retirement income, the usual RRSP-versus-TFSA reasoning shifts, and a pension adjustment quietly reduces RRSP room. The figure on your notice of assessment is the one that counts.
Young families, long horizons
Durham skews towards households with children at home. Term coverage while the children are young and the RESP grant deadline are the two things most often raised, and the two most often left until later.
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
- Pickering
- Ajax
- Whitby
- Oshawa
- Brooklin
- Courtice
- Bowmanville
Meetings happen wherever suits: in person around Durham Region and the eastern GTA, or by video call. There's no charge for a first conversation and no obligation afterwards.