Markham
Education first, and a conversation only if you want one. I'm a licensed life insurance and segregated funds advisor with Affinity Financial Services Inc., based in Markham and working with families and business owners across York Region.
Markham has a lot of homes where the same income supports children and parents at once. That changes the arithmetic of how much coverage is needed and for how long, because the need doesn't end when the children finish school.
When the income comes from a business rather than a salary, protection, taxation and what happens to the company on death all connect. Creditor protection is also a real question here rather than a theoretical one.
Registered accounts don't translate from anywhere else, and the rules take some unpicking: what room you have, when it starts, and what a beneficiary designation does here compared with back home.
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.
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.
Meetings happen wherever suits: in person around Markham, Richmond Hill, Vaughan, Stouffville and the rest of York Region, or by video call. There's no charge for a first conversation and no obligation afterwards.
