Which one of these has the biggest impact on your family and your life?
• Car accident
• House fire
• Loss of jewelry and valuables
• Cancer diagnosis
• Leaving your love ones forever
How did you protect your family and you from these events?
Financial planning at first glance can seem to be a complicated subject or something that is only necessary for the rich with wealth to manage. Nothing could be further from the truth.
It is critical that all Canadians, regardless of their financial standing, use their resources responsibly and “align their financial goals to protect what matters most”.
For most Canadians, money is earned and spent with little thought to where it goes and for what purpose.
We have urgent obligations such as rent/mortgage payments, bills, loans, fees, etc. We are also bombarded with advertising that tells us what we “should desire” or “need to have”. This “desire” based spending eats up our limited resources, often before we have really thought about what is truly important to us and thus allocating money toward these areas.
The idea behind Your Financial planning is to lead you through a process that reverses this pattern by first establishing what is truly important, then to assess your current position and spending habits in relation to what matters most to you.
Finally, we establish a “comfortable” weekly or monthly amount to allocate toward planning appropriately to both build wealth and eliminate potential risks to the plan.
Once completed, the plan will be reviewed annually and amended to ultimately build a road map to your financial independence and goal achievement. In essence, “realigning your financial expenditures to protect what matters most”.
A proper financial plan can mean the difference between leaving your loved ones well-positioned financially and leaving them to cope with debts and an inadequate income. Life insurance can help create financial security for you and your family. If you should die prematurely, it can be used to: Pay final expenses and any debts Provide […]Read More
Your ability to earn an income is quite simply your biggest asset. Protect your income with a disability policy. During a disability, household bills still need to be paid. Disability Insurance provides a benefit, usually 60-70% of the annual salary, in the event the insured becomes disabled and is unable to work. There are various […]Read More
This can help pay for items related to the illness, such as medical expenses that are not covered by a health plan, mortgage payment, or a much needed vacation. These plans also come with rent, lease and own options, similar to the life product descriptions.Read More
If you are one of the millions of Canadians without an employee health plan – and therefore, vulnerable to health care expenses not covered by the Government Health Insurance Plan – supplemental health care coverage could be right for you. With plan options available, you can choose the plan that’s right for your family, your […]Read More
Visitors to Canada: Do you have family or friends coming to stay? Do your guests have insurance to protect them while they’re here? Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased […]Read More
The new Super Visa makes it easier than ever before for parents and grandparents to visit family members in Canada, allowing them to remain in the country for up to 24 months at a time, without having to renew their status. This visa is valid for 10 years and can permit a single entry or […]Read More
Manulife Financial offers the following travel insurance options: Click here to purchase Manulife Travel Insurance for out of province or out of country travel. Click here to purchase Visitors to Canada Insurance from Manulife Financial. Click here to purchase Student Travel Insurance from Manulife Financial.Read More
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