Planning

Estate and Retirement Planning and Business Succession Planning through the use of:

· Life Insurance on an Individual or a Group basis
· Disability Insurance
· Critical Illness and Long Term Care Insurance
· Annuities - both Deferred and Immediate
· Segregated Investment Funds
· Individual Retirement Savings Plans
· Group Insurance Benefits including: Medical, Dental and Short and Long Term Disability
· Group Pension and Registered Retirement Savings Plans

We provide for a total financial planning process including:

1. Clarification of present financial situation including identifying financial problems
2. Identification of financial and personal goals and objectives
3. Identify financial problems; provision of written recommendations and alternative solutions
4. Co-ordination of the implementing of recommendations
5. Periodic review and necessary revision to update financial goals and objectives