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Blog
23
Sep

Retirement Planning? Keep calm and carry on

The primary source of retirement income for the majority of Canadians who are nearing retirement will be personal savings. This is especially important because evidence is showing that government pensions will not be enough. But things haven’t been easy for investors because of the market turbulence of the last several years. It’s for this reason...
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23
Sep

Millennials: Why the “Know-all Generation” needs more knowledge about investing

The year was 1980, Post-it notes were just introduced, the USA defeated the Soviet Union in the “Miracle on Ice”, the entire world was wondering “who shot J.R.?”, and perhaps most importantly, yours truly was born. Being born in 1980 I am at the end of period of generation Xer because the early 1980’s is...
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08
Aug

Those Without Healthcare Insurance: Entrepreneurs and People Near Retirement, I’m Talking to You!

Whether you are self-employed or someone in or nearing retirement you have likely reached a level of independence in life. You may have always felt that one way or another you are working towards a level of financial freedom; freedom to choose how you will spend your retirement and spend your money. From experience, you...
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04
Jul

You – YES, YOU – need a financial advisor today!

In recent months, investment firms dedicated to attracting do-it-yourself investors have been running television commercials about how financial advisors are sleazy, smug business people who are only looking out for themselves at the expense of their clients. The advertisers do a wonderful job at suggesting that people shouldn’t be dealing with a financial advisor because...
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28
Jun

The Value of a Critical Illness Insurance Policy for Gerald and Mayan

Most of us know relatives or friends who were diagnosed with a life-altering illness and the enormous impact that it had on their lives and the toll it takes upon the family. ‏However, as a financial advisor, I must be able to see the silver lining and how my profession supports the dreams and goals...
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08
Jun

Financial Preparedness is Essential for Women When it Comes to a Critical Illness

As a dashing young man, if there is one thing I know – it’s women! Furthermore, speaking as a financial advisor, if there is one thing I know about women, it’s that they need to be better prepared financially for a critical illness. Before I explain why this is especially important to women, let’s take...
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17
May

Estate Preservation Through Charitable Giving

Kusum Sen, BA, CHS, Financial Advisor, Desjardins Financial Security Independent Network Ryan Daniels, Regional Sales Director, Desjardins Insurance1, Good estate planning goes far beyond deciding who gets what; it speaks to the passion of giving and sharing. Whether your passion is to provide for those in need, or to create a scholarship or even to...
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02
May

Maybe it’s about time that you go-fund-yourself

One of the more recent trends to appear in the age of social media is people opening their hearts and wallets to donate to strangers after they hear a heart-wrenching story on the news. The occurrence is becoming more and more common… a tragic story is broadcast on the news or on social media involving...
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09
Apr

“It’s Patrick. He took out life insurance.” The Importance of Protecting Your Insurability.

  “It’s Patrick. He took out life insurance…Good for you, son.” If you were a child of the 1990s like me, you will no doubt remember the iconic lines of one of the most run commercials on the air in the late 80s and early 90s that was mixed in between episodes of The Simpsons...
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05
Mar

Life Insurance: An Important Decision Made After an Awkward Discussion

Many people most often ask me an apparently simple question: “Why do I need life insurance?” Let’s see if I can answer this question without boring you to death. Sorry, bad life insurance joke. Why do I need life insurance? Put simply, life insurance is meant to replace the income that you contribute to your...
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