Vaughan
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 Vaughan.
When the income comes from a business rather than a salary, protection, tax and what happens to the company are the same question rather than three. The business is often the largest asset and the least liquid one.
A company does not divide neatly between children the way a bank account does, particularly when one of them works in it and the others do not. That is usually the conversation underneath the insurance one.
For employees this is mostly theoretical. For someone who has personally guaranteed a lease or a line of credit it is not, and it is one of the few places segregated funds answer a question a mutual fund cannot.
A newer, larger home usually means a larger mortgage carried further into life. Coverage worked out before the move is often the piece nobody revisited afterwards.
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 Vaughan, Richmond Hill and the rest of York Region, or by video call. There's no charge for a first conversation and no obligation afterwards.
