The Foundation Series

Just as your house depends upon a good foundation so too does your financial house. Too many people start building the wall and the roof of their home before the foundation has set. So what is the proper foundation? I began my career in 1975 as a life insurance salesman. We focused on three things, [...]

The Foundation Series-Disability Income

If you don’t have group benefits where you work that provide Long-Term Disability coverage then you should consider a personal disability plan. Your income is fundamental to your lifestyle. If you suffered an income loss because of a disability what would it mean for you, for your family?  It isn’t hard to imagine the consequences [...]

Revisiting the Importance of Planning

Since I entered the business in 1975 I have been told about the importance of planning and accepted that planning is fundamental. Today I am introducing some howevers…. How Important is Planning Your Finances? Planning is important but it is also very dynamic. You may have created a great plan in 1995, but in 2012 is [...]

The True Cost of Our Vices

On January 10th, 2011 I became a non-smoker and have remained so to this day. At the time I decided my best life insurance policy was to improve my health and this was one important investment I could make. However on the weekend I was reflecting back on this from an economic point of view. [...]

3 Simple Questions-What Are Your Answers?

There are no shortages of calculators or websites that can help you calculate how much insurance is enough. I feel all of this while helpful are useless because they are logical tools and there is no emotional connection to the result. However today I want to look at this differently. I want you to answer [...]

I Sell Money for Pennies on the Dollar

Today there are no shortage of places where Canadians can go and figure out how much insurance is enough. But I find all of these places are very logical, and ultimately unemotional, the client doesn’t buy the number shown as his or hers, they don’t own it. As an advisor I have always maintained clients [...]