Midtown Dental

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Estate Planning

Give your children a holiday gift that will last a lifetime

posted Tuesday, December 1, 2015

by: in Finance / Insurance

Many Canadian parents save in an RESP for the purpose of funding their children’s post-secondary education. The federal government will contribute up to a maximum $7,200 towards each child’s post-secondary education provided you save $36,000, making the total available $43,200 (assuming your investment doesn’t lose any money and/or growth remains flat). Like an RRSP or […]

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Transfer wealth to your family and not the government

posted Sunday, October 18, 2015

by: in Finance / Insurance

When someone passes away, their estate is subject to a process known as probate, and you may have heard this phrase  “The will has to go through Probate”  before the assets  in someone’s estate can be distributed to beneficiaries. What is probate? Probate is a legal process that confirms an executor’s authority to distribute assets […]

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Like a good scout, be prepared

posted Thursday, July 9, 2015

by: in Finance / Insurance

The rationale for purchasing life insurance is pretty simple and obvious. You want to make sure that in the event of your premature death your family won’t be saddled with debt or struggle financially. The gap that exists in the financial plan of many families in Canada (quite sadly) is the absence of critical illness insurance; […]

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LGBT Couples need to get “A Round Tuit” too

posted Friday, May 15, 2015

by: in Finance / Insurance

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 […]

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Tax sheltering your investments using life insurance

posted Wednesday, March 11, 2015

by: in Finance / Insurance

If you have maxed out your RRSPs and used up all of your TFSA room, there are other options available which will allow you to continue to invest your money tax deferred. Most people think the only purpose life insurance serves is providing a tax free lump sum to their loved ones in the event […]

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Is your most precious asset protected?

posted Sunday, February 15, 2015

by: in Finance / Insurance

Nobody wants to think about becoming disabled but it happens. Most people I have spoken to in my over 20 years working in the insurance industry were concerned about losing their job, having enough money in retirement, loss or damage to their home or vehicle, yet not giving a second thought to what would happen […]

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The 40% includes LGBTQ

posted Wednesday, February 4, 2015

by: in Finance / Insurance

According to The Canadian Cancer Society a staggering 40% of all Canadians will develop cancer in their lifetime. I was never good with numbers however it seems to me these days that an alarming number of Canadians are being diagnosed with one form of cancer or the other, and the disease doesn’t appear to discriminate. […]

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Financial fitness in 2015………easier than you think

posted Monday, January 26, 2015

by: in Finance / Insurance

It’s a new year, a time of renewal, a time when many of us make resolutions, and set fresh goals. Whether your new year’s resolution involves losing weight, paying down or paying off debt, quitting smoking, or saving for retirement, resolutions not backed by solid plans of action are merely pipe dreams. I encourage everyone […]

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Difficult Conversations

posted Saturday, October 25, 2014

by: in Finance / Insurance

Recently I sat down to dinner with two of my clients from the LGBT community and had an informal yet frank discussion about what kept them up at night. The number one issue was not money in of itself, but rather their failure, and one partner’s refusal to sit down as a couple and have […]

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Critical Illness Insurance – Didn’t See That Coming

posted Tuesday, October 7, 2014

by: in Finance / Insurance

David Letterman has a funny segment in his show titled “Didn’t see that coming”, and usually the joke is about something that was bound to happen based on an individual’s prior actions. One of the things I speak to all of my clients about is critical illness insurance, because the majority of the people you […]

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