Mortgage Insurance -

Which insurance product is best for you?

  1. Creditor insurance at the Financial institutions has its drawbacks
    • underwritten at time of death
    • decreasing
    • the bank is the beneficiary
    • Watch the video recorded by CBC Marketplace
  2. We offer 4 plans where the coverage remains level and one plan has the unique Cash Back TM feature exclusive to our Corporation.
    • Underwritten at time of application
    • level coverage or increasing
    • You name the beneficiary
    • Guaranteed Issue for those that have been turned down

Charitable Gifting

  1. Planning Strategies to support your favorite Charity today while leaving your Estate Intact.
  2. Tax Planning Strategies to Preserve Your Estate and Provide for Support to Your Charities in Your Will and Estate Planning.

Farm Estate Planning

  1. Wills, Corporations, Trusts
    • Redirect your tax dollars to your family
  2. Intergenerational Transfer to Farming and Non-Farming Children
  3. Insurance Planning
    • Life Insurance structured properly can be tax deductible and give up to 3 Generations a sufficient tax break to pass Wealth out to you personally
  4. Investment Strategies can be put in place to pass wealth from the Corporation as a tax deduction into your pension without you paying any tax today; the prior tax remittance now becomes your pension!

Debt Consolidation

  1. Mortgage Referral to a Qualified Mortgage Professional
  2. Consolidate debt to free up cash flow to fund Insurance, Education and Retirement Planning.

 

 

Our Services:

Pension Management -

Do you Truly understand your Pension Options?

  1. Is your pension integrated with CPP?
    • Do you lose your CPP additional pension at age 65?
    • Do you have the right to start at age 60?
  2. Defined Benefit Pension Plans can be commuted prior to you reaching a certain age and having several years of service
    • Some pensions add your age and years of service and if it exceeds 75 or 80 you cannot move your pension and your CPP will be integrated.
    • Book a free consultation today and check your pension to see how you can maximize your retirement income without adding additional investment dollars.
  3. Is your Pension underfunded?
    • How do they catch up?
    • could it be that the current pension contributors pay for it?
    • Could part of your growth and contributions be going towards their mismanagement?
  4. We work with several of Canada's 'Top 40' Pension Managers and assist clients in making decisions that help their family while retaining their CPP pension.
  5. Book a Consultation and look at your Financial Plan and protect your income and your wealth.

Physician Lifetime Financial Planning Through the 3 Stages of your life

  1. Paying down Student Loans
  2. Managing Risk:
    1. In the event of contracting a practice related disease
    2. Benefit Package to cover Short Term and Long Term Disability
    3. Life Insurance to cover the 3 stages
  3. Investing to Accumulate Wealth
  4. Incorporation: when and how to incorporate
    1. Call for your free book on Incorporating for Physicians
  5. Tax Planning Strategies to Preserve Your Estate and Provide for Support to Your Charities
  6. Your Will and Estate Planning.
  7. Budgeting and Operational Assistance
    1. Bank account assistance for Loans and Risk withdrawals
    2. Budgeting account for Home acquisition
    3. Automobile Lease vs Purchase
      1. access to take your current vehicle and lease from your Professional Corporation adding revenue back to eliminate debt and increase PPP (Physician Pension Plan)



​Client Testimonials:

"After paying for our mortgage insurance for 20 years we were surprised to find it had gone up almost 5 times in cost per month and we still had a mortgage. We made the move to the Cash Back and only wish we had found it sooner. Thank you for taking the time to help us." Jeffery S, Regina Sask.


"We were so excited to get our new home and when we were shown the 4 choices we had an easy decision, we chose the Cash Back" Jeanine and Len. Regina


"We are not new to mortgages and Jay was the first person to explain the options and suggest the one best suited for our needs, cash was tight so we chose the 30 year term and when things are better we will go to the Cash Back" Tim. Nelson, BC


"We chose the Cash Back and after a few years we are quite happy as we can see the growth on line and know we have an emergency fund for our home" Tom and Linda Moose Jaw