A financial security plan should be personalized to you. I can offer a wide range of products, including individual life, disability and critical illness insurance, and wealth management products, such as segregated fund policies and annuities.

Through the mutual fund dealer Quadrus Investment Services Ltd., I have access to thousands of mutual funds, including those within our exclusive Quadrus Group of Funds family.

 

With a variety of products and services to meet your needs, I can help give you freedom to plan your freedom™.

Cash flow

Would you have enough cash saved if your earnings stopped? 
Most Canadians haven’t saved the three to six months’ income experts recommend we set aside for emergencies.  

Income protection

What would happen if you suffered a significant health event or died? 
Having life, critical illness or disability insurance can help you, or those you choose, to manage your expenses.

Make saving simple – Canada Life

Setting up automatic contributions can make saving simple and potentially help you reach your long-term investment goals sooner.

 


View the video transcript

 

Narrator: Saving for something?

Description: Camera zooms out to reveal a single-storey house with a “For sale” sign.

Narrator: Well, to reach your goal sooner,

Description: A calendar enters the frame.

Narrator: Simply set up an automatic contribution,

Description: Money is invested on the 3rd and 17th day of each month.

Narrator: Choose your amount and how often you want to save it.

Description: The same amount is the next month.

Narrator: Your money flows easily into your savings,

Description: The pattern repeats every month.

Narrator: Is invested right away.

Description: Return to the house.

Narrator: And with compounding, could grow more and more.

Description: A “Sold” sticker covers the “For sale” sign.

Narrator: So don’t put it off.

Description: A second storey, garage and landscaping are added to house.

Narrator: Because who wants to play catch up?

Description: A car drives into the garage.

Narrator: Save early, save often.

Description: The frame splits in half – with the house on the left side and “Save early, save often” appears on the right.

Narrator: Learn more at canadalife.com.

Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

Compound earnings – Canada Life

Learn how to save more money for your retirement by earning return on your contributions.

 


View the video transcript

 

Description: Tamira sits on her patio and opens her laptop.

Narrator: When it comes to saving.

Description: Cut to view of laptop.

Narrator: Your contributions aren’t the only way your investments can grow.

Description: She reviews her group retirement and savings plan. The balance, contributions and growth are shown.

Narrator: You can also count on the returns on those contributions.

Description: Camera pans up to reveal a few bills of money as an initial contribution.

Narrator: Both your contributions and any earnings get reinvested.

Description: Camera zooms out. An arrow connects the bills to an investment graphic.

Narrator: Then anything you earn on that money is reinvested.

Description: A larger grouping of bills is connected to a second investment graphic.

Narrator: And anything you earn on that money is reinvested.

Description: A pile of money is connected. The pile is connected to the contribution. All graphics create a cycle.

Narrator: You’re making earnings on your earnings.

Description: Camera pans back to the initial bills shown. There is now a larger pile of money.

Narrator: This pattern is called compounding.

Description: The word “Compounding” appears onscreen.

Narrator: If you contribute to your savings monthly,

Description: Cut to bar graph showing yearly contributions over 5 years.

Narrator: watch how a 5% annual return on your investment.

Description: 5% of earnings is added on top of each yearly contribution.

Narrator: will grow over 10, 15, 20 years and so on.

Description: Camera zooms out to as the graph extends to show contributions over 20 years.

Narrator: With compounding, you make so much more.

Description: 5% of earnings is added on top of each contribution from 6 to 20 years.

Narrator: The longer your money is invested, the more you earn over time.

Description: Camera pans to show total earnings of $203,729 over 20 years as a large number. Small text appears underneath: “$500 monthly with 5% annual earnings.”

Narrator: The key is to start saving early and maintain a long-term focus.

Description: The total moves over to the left side of the frame.

Narrator: An extra five years of saving and earning can make a big difference.

Description: On the right, total earnings of $294,060 over 25 years is compared.

Narrator: So start investing now through your group retirement and savings plan.

Description: Cut to Tamira 5 years later, sitting on the patio of a coffee shop, looking at her phone.

Narrator: Make regular contributions and avoid taking money out.

Description: She receives a notification from her banking application that $500 has been sent to her savings plan.

Narrator: Then watch compounding help your money grow.

Description: Cut to close up of her phone. Her overall investment growth is shown on a line graph.

Narrator: It’s an easy and powerful way to save for your future.

Description: Cut back to Tamira, talking to her partner on the patio.

Narrator: Sign into GRS Access at canadalife.com.

Description: Text “Sign into GRS Access at canadalife.com” appears with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-800-724-3402.

Managed solutions – Canada Life

Managed solutions can help you be more confident in your investments, letting you focus on your financial goals and not on shifting markets. Learn more at https://www.canadalife.com

 

Get retirement ready – Canada Life

We can help you build a plan for life after work. Learn more at http://www.canadalife.com.


View the video transcript:

 

Description: This video combines impactful words with footage of Canadian women close to retirement.

Narrator: You do it all.

Description: “You do it all” repeats across the screen in large text. A middle-aged woman bikes on the side of a road near a lake. Mountains appear in the distance.

Narrator: You’re unstoppable.

Description: “You’re unstoppable” repeats across the screen in large text. A mother sits on the edge of her bed holding her swaddled newborn baby.

Narrator: But when it comes to retirement, you might not feel ready because you’re worried you haven’t saved enough.

Description: A woman sits at her kitchen table, reading her statements. A stack of papers sits on the table next to her.

Narrator: But you’ve worked hard for this.

Description: “You’re worked hard” repeats across the screen in large text. A nurse in a mask takes a patient’s temperature.

Narrator: and you deserve to take this next step with confidence.

Description: An athletic woman jogs down a wooden bridge in a park.

Narrator: An advisor can help you build a plan.

Description: A barber smiles while talking on a cordless phone. She gives a young girl with long hair a trim.

Narrator: so you can afford the retirement you want.

Description: A surfer in a wetsuit stands on the beach at dawn, holding her surfboard.

Narrator: They’ll provide expert advice to help you choose the right investments based on your comfort with risk.

Description: A women sits at her desk, typing on a laptop. The back door of her home is open to a lush garden in the distance.

Narrator: draft a budget and ensure your family is taken care of.

Description: A mother holds up her phone to take a picture of her teenage daughter wearing a graduate cap and gown.

Narrator: It’s time to take charge of your money.

Description: A woman in tennis outfit plays pickleball on a court outside with her husband.

Narrator: Get retirement ready, your way.

Description: “Get retirement ready” repeats across the screen in large text.

Narrator: To learn more, contact your advisor.

Description : Words “To learn more, contact your advisor” appear onscreen with Canada Life logo and legal lines: Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.

Protect your business 

As a business owner, it's important to consider how you can protect your business. I’ve got the solutions that can help keep your business running smoothly if anything happens to you or your partners. 

  

Help your employees build more secure financial futures 

Benefits and retirement savings plans can help you attract and retain employees and give them resources to help improve their physical, financial and mental wellbeing. I can help you determine what kind of plan will work for your employees and your business. 

Life Insurance

Keeping you and your loved ones healthy, year-round 

As Canadians, we’re fortunate to have public healthcare coverage – but that doesn’t mean your provincial healthcare plan provides all the coverage you need. Health and dental insurance can help pay for prescription drugs, dental, hospital, vision, paramedical and ambulance services. Coverage is similar to a group benefits plan that an employer may offer and is a great option if you’re retiring, self-employed or not eligible for group benefits. 

Because there’s no place like home 

Whether you’re buying your first home and are looking for flexible payment options or are refinancing to help free up money for renovations, there’s a mortgage designed to meet your needs. We’ll work together with a mortgage professional to find the mortgage that fits best with your financial plan. 

 

A flexible way to invest your money 

Mutual funds allow you to invest in a portfolio of assets that are managed by professionals. They let you diversify your portfolio more widely than you may be able to do when investing in individual stocks and bonds on your own, and together we can select a fund that gives you the right balance of risk and reward for your financial plan. 

 

Start saving early – Canada Life

Starting early is a great way to reach your long-term investment goals with the help of compound interest.

 


View the video transcript

 

Narrator: Want to achieve your financial goals faster?

Description: A trowel scoops a seed into a pile of dirt. The frame splits in half. The left side shows saving $500/month at age 25. The right side is later, $1000/month at age 45.

Narrator: Then why not start saving money today.

Description: A watering can is lifted and waters the seed. The trowel covers the seed.

Narrator: Because, the sooner you start putting it away.

Description: A calendar enters the frame, with the same amount invested on the first day of each month.

Narrator: The sooner your money can grow.

Description: The split frame with the two seeds returns. On the left side a tree starts to grow as the age increases from 25 to 45. A legal line appears: “$500 invested on the first day of every month over 40 years. 6% annual rate of return, compounded monthly. Segregated fund and/or mutual fund fees will lower your rate of return.”

Narrator: thanks to earnings that can compound over time.

Description: A tree also starts to grow on the right side at age 45. Both sides finish growing at age 65. A legal line appears: “$1000 invested on the first day of every month over 20 years. 6% annual rate of return, compounded monthly. Segregated fund and/or mutual fund fees will lower your rate of return.”

Narrator: Before you know it, you’ll be closer to achieving your goals, than if you’d waited.

Description: The tree on the left side is bountiful, saving $1,000,724. The tree on the right is much smaller, saving $464,351.

Narrator: Save early, save often.

Description: The tree on the right moves out of frame. Text “Save early, save often” appears.

Narrator: Learn more at canadalife.com.

Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

Make saving simple – Canada Life

Setting up automatic contributions can make saving simple and potentially help you reach your long-term investment goals sooner.

 


View the video transcript

 

Narrator: Saving for something?

Description: Camera zooms out to reveal a single-storey house with a “For sale” sign.

Narrator: Well, to reach your goal sooner,

Description: A calendar enters the frame.

Narrator: Simply set up an automatic contribution,

Description: Money is invested on the 3rd and 17th day of each month.

Narrator: Choose your amount and how often you want to save it.

Description: The same amount is the next month.

Narrator: Your money flows easily into your savings,

Description: The pattern repeats every month.

Narrator: Is invested right away.

Description: Return to the house.

Narrator: And with compounding, could grow more and more.

Description: A “Sold” sticker covers the “For sale” sign.

Narrator: So don’t put it off.

Description: A second storey, garage and landscaping are added to house.

Narrator: Because who wants to play catch up?

Description: A car drives into the garage.

Narrator: Save early, save often.

Description: The frame splits in half – with the house on the left side and “Save early, save often” appears on the right.

Narrator: Learn more at canadalife.com.

Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

RRSPs are for more than retirement – Canada Life

From borrowing money for a down payment to furthering your education, you can do more with an RRSP than just save for retirement.

 


View the video transcript

 

Narrator: You may have heard that RRSPs were just for retirement.

Description: The question “Are RRSPs just for retirement?” appears.

Narrator: But did you know an RRSP can help you fund full-time continued education.

Description: A graduation cap flies into frame. A legal line appears below: “Money can be borrowed up to a maximum amount.”

Narrator: through the Lifelong Learning Plan.

Description: Cap moves out of frame. Words appear: “Lifelong Learning Plan.”

Narrator: And, if you’re looking to buy your first home,

Description: A line is drawn across the frame, a single story house rises from the line.

Narrator: you can use the Home Buyers’ Plan to borrow money from your RRSP to put towards your down-payment.

Description: The words “First-time homebuyer” moves into frame above house. A “For sale” sign is built in front.

Narrator: Whatever you use the money for, you won’t be taxed on it.

Description: A paper with a percentage sign (taxes) moves into frame. A portion of the paper is cut with a scissors.

Narrator: As long as you pay the money back within the time limit outlined by the plan.

Description: Two boxes move into frame. The left displays a house graphic with labels: “15 years” and “Home Buyers’ Plan.” The right displays a stack of books with labels: “10 years” and “Lifelong Learning Plan.” A legal line appears below: You must fill out the proper forms and pay the money back within a given period of time.

Narrator: An advisor can also help figure out if you qualify.

Description: Boxes move out of frame. Two hands move in and clasp to handshake.

Narrator: Learn more at canadalife.com.

Description: Hands move out of frame to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

Tax benefits with an RRSP – Canada Life

Did you know that contributing to an RRSP can lower your annual income tax? The tax benefits of an RRSP are better than you might think.

 


View the video transcript

 

Narrator: You may have heard that RRSPs are taxable in retirement.

Description: The question “ Are RRSPs taxable in retirement? ” appears.

Narrator: That’s true!

Description: A thumbs up moves into frame.

Narrator: But think about this.

Description: Thumb moves out of frame. An egg in a nest appears.

Narrator: When you contribute to an RRSP,

Description: Coins fall into nest.

Narrator: you may pay less tax at the end of the year,

Description: A hand types on a calculator. A paper is printed from the calculator.

Narrator: Which helps you save money today.

Description: The paper becomes a calendar.

Narrator: Now let’s fast forward to the future.

Description: The calendar flips.

Narrator: Once you retire and withdrawal savings from your RRSP, your income will likely be less than it is today.

Description: A lake scene is revealed. A dock with muskoka chair and small table with lemonade moves into frame.

Narrator: That means your tax rates will be lower on those withdrawals –

Description: Camera pans to the left, coins bounce into frame and land on a piece of paper with a percentage.

Narrator: so you won’t pay as much tax as you might think.

Description: An arrow appears from below the paper and moves out of frame. The camera follows and the arrow lands. More coins fall beside.

Narrator: Learn more at canadalife.com.

Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.

Managed solutions – Canada Life

Managed solutions can help you be more confident in your investments, letting you focus on your financial goals and not on shifting markets. Learn more at https://www.canadalife.com