Most of us are well intentioned hard working Canadians. We go to work or run our businesses with vim and vigor, and we want to provide for our families and create a bright and prosperous future.

The future is created by the actions we take today, and unfortunately too many of us take the attitude of “I will get around to it” regarding the very things that are absolutely critical in helping us reach our goals. Recently I made a casual visit (as I often do) to one of my clients, and she had a nice plaque that she picked up while on vacation in her living room titled “A Round Tuit”

Putting off getting “A Round Tuit” is like saying to a thief “I am okay with you robbing me of all that matters because I am not going to call the police. In fact make multiple visits and take all you want”

Your spouse and yourself know that you need to sit down with a lawyer and put a will and power of attorney in place, but tell yourselves that you will get a round to it, and never do. Members of the LGBTQ community have fought hard to secure the rights and freedoms that you hold dear, don’t wait until tragedy strikes before you get around to it. You know that you need to save for retirement, but money may be so tight now, and you will get around to it with when things improve financially, which might not happen.

Twenty, thirty or forty years from now, you may be staring down the barrel of sickness, financial destitution, and risk losing the very things you dedicated your life working for because you never got around to it. You know the potential devastation that sickness, injury or death can inflict on your family. You don’t have any or enough life insurance, critical illness, disability insurance, or savings in place. It’s even more devastating for the self-employed who have no benefits or pension plan, but you will get around to it.

I have seen, and I am sure you have as well, the negative consequences that ensue when people fail to get around to it regarding matters that are of fundamental importance, which is why it’s time to deflate the elephant in the room and get “A ROUND TUIT” today!


About the Author

Karl Marshall is President of (a division of Marmac Financial Services Limited) and specializes in serving the insurance and financial needs of the LGBT Community. On Saturday nights he hosts The Party Mix on G98.7 FM in Toronto. You may reach him at 416-554-0892,, @insurance4lgbt on Twitter or on Facebook.