Assistance With Life Changing Events

Life changing events and points discussion that should be reviewed with your financial advisor

1) New Client • New Job • New Spouse

Review of Current Situation

  • Asset Allocation
  • Risk Review
  • Retirement and Succession Planning

Review of Insurance Coverage

  • Life, Mortgage Insurance,Tax and Estate Protection, Disability Insurance (Income Replacement)
  • Health
  • Critical Illness, Disability Insurance
  • Legacy, Charitable Donation
  • Travel Insurance

Insurance products and services are provided through Assante Estate and Insurance Services Inc.

Cash Management

  • Liquidity
  • Home Equity Line Of Credit (HELOC), Conventional Mortgages
  • Pre - Authorized Contribution (PAC)
  • RRSP loan, Leverage


Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only.  If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.  A homeowner who withdraws equity from their home to purchase securities should fully understand this risk.


  • Joint Last One to Die on parents 
  • Back to back annuity 
  • Tax consequence of poor planning 
  • Long term Care Insurance

2) Corporate Owners

  • Group RSP, DPSP, cash account, Corporate Class Advantage
  • Individual Pension Plan, Retirement Compensation Agreement
  • Shareholder Agreement, Key-Man Insurance
  • Group Health Insurance
  • Buy/Sell coverage

3) House Purchase

  • Mortgages
  • Australian Mortgages (Home Equity Line of Credit)
  • Mortgage Insurance
  • Will, in common-law situation especially
  • Home Buyers Plan

4) Birth of a Child

  • Registered Education Savings Plan (RESP)
  • Get child a Social Insurance Number
  • Will, add trust...
  • Life Insurance on Parents
  • JLTD policy- child as beneficiary
  • Critical Illness for Children

Please Contact Us in order to set up a consultation.