Thanks for clicking on my link. I have been a financial adviser since 1993, focusing on comprehensive Personal Financial Planning. In my years, I've learned that financial success takes work and it takes a Plan. My clients and I work together to make their goals and dreams come true.

A good Financial Plan cover covers all the bases - debt management, tax issues, goal setting, investment analysis and advice, retirement planning, insurance review and analysis, and estate planning.

Perhaps it's been a while since you've had a look at all these areas. Maybe you've never done a full Financial Plan. Or maybe you just want a second opinion on how you are doing. Either way, call me at 1-800-305-5595 for your FREE financial review.

1. Your Mortgage - Congratulations on purchasing your new mortgage - I mean new home! So how would you like to pay that mortgage off faster? A $200,000 mortgage at 5.50% - paid off over 20 years - will add over $125,000 in interest costs to your house purchase! Traditional banks pay little on your savings and chequing account, while they may charge you 6% - 8% on your line of credit, and even 18% on your credit card balance. Wouldn't it be nice to get higher returns on your savings account? Let me refer you to a great "all-in-one" savings and debt product that can help you pay off your mortgage years faster - just by restructuring how you manage your savings and debts. Call me if you want to learn more.
    
   
2. Mortgage Insurance - The bank is going to offer you insurance on your mortgage. My advice is to shop the market. We can often get you a 10 or 20 year term insurance policy that will be cheaper than traditional mortgage coverage. And remember that bank mortgage insurance is usually "declining balance" coverage - you pay a level premium for declining coverage as you pay down the debt. With a personally owned term policy, both the premium and the death benefit is level, giving you death benefit "equity" in your policy as the mortgage is paid off. Also, since you own the policy independent of the mortgage, if you change mortgage carriers, you do not have to start the insurance process over again - the policy you have stays in force! Call me if you would like a FREE insurance consultation.
    
   
3. Leverage Your Equity - Interest paid on money borrowed for investment purposes is generally tax deductible. But interest paid on debt used to purchase personal items - like a vehicle, travel, or your home, is not usually going to be deductible. It takes after-tax dollars to fund these expenditures. Borrowing against the equity in your home and investing the loan proceeds is one way to turn non-deductible debt into tax-deductible debt. But with all forms of leveraging, there are risks and rewards. Both gains and losses can be magnified with borrowed money. Leverage is not appropriate for everyone, but can be an effective financial strategy in the right circumstances. Call me if you want to learn more.
    
   

Selling your home often coincides with a change in your life - perhaps you are retiring; maybe your last child has left home and you need less space; poor health is requiring you to move to a new location, or you are simply moving to your dream home. In any situation, I may be able to offer some helpful advice:
 

1. Investment Analysis - Perhaps you have downsized and now have capital to invest. Or you are selling your home and moving to an apartment arrangement. I will work with you to build a portfolio around your needs for growth and income. Before making any recommendations, we will review together many important investment considerations - your risk tolerance, tax efficiency of income, how to balance "risk with reward", geographic diversification, asset allocation strategies, hedging the cost of living, analyzing alternative investment styles, and understanding volatility. Call for your FREE investment analysis today.
    
   
2. Retiring - Many people who change homes are recent retirees. And many of these retirees are faced with an important decision going into their retirement - to take the pension their employer is offering them or to transfer out their pension assets and build their own income stream. Today's low interest rate environment is making this a difficult decision. Because I deal with a lot of retirees in my practice, I have developed a number of Pension Calculators to help retiring workers decide which is the best pension option for them. If you are close to retirement, and would like a free analysis of your pension options, please give me a call.
    
   

1. Long Term Care - We live in an aging society. The oldest baby boomers just turned 60 in 2005. By 2025, one in five Canadians (that's 20%) will be over the age of 60 (Source: Statistics Canada). Average annual heath care expenditures rise significantly after age 55. Statistics say that one in two Canadians over 65 will eventually need some level of long-term care. (Source: Canadian Institute for Health Information, Health Care in Canada, 2000)
    
   A decline in your health could have a profound effect on your retirement savings. The maximum monthly cost for a bed in a government-subsidized facility in Saskatchewan is currently $1,727/month (as at April 1, 2006). Based on this rate, the government is subsidizing about 77% of total resident care costs. This subsidy is just too great for governments to continue to fund for all residents needing care. Long Term Care Insurance allows you to insure your future long term care costs. Call for your LTC consultation today.
    
   
2. Critical Illness - Although chances are that you will survive cancer, a heart attack, or a stroke, your finances will be impacted. Time away from work, perhaps increased debt, missed payments, forgone savings or holidays. Critical illness coverage is all about tax-free capital when you need it most. Receive tax-free money if you suffer a "covered condition", including, stroke, heart attack, cancer, MS, bypass surgery, Alzheimer's disease, and many others. Most plans have 23 or 24 such "covered conditions". Available as term or permanent plans of coverage, Critical Illness insurance can play an important role in a complete Financial Plan. We insure our cars, our homes, our businesses. How important is it to insure our health? Call if you would like to learn more about Critical Illness.