Insurance & investment guides for Canadians
Clear, practical explanations of the things clients ask me about most — written in plain language, with no sales pitch.
Visitor Insurance vs Travel Insurance: What's the Difference?
The names sound interchangeable and the products are not. Buying the wrong one means discovering at a hospital that you have no coverage at all.
Read the guide
Super Visa vs Visitor Visa: Which Should Your Parents Apply For?
A visitor visa is cheaper and often faster. A Super Visa lets your parents stay five years instead of six months. Here's how to work out which one actually fits your family.
Critical Illness Insurance: What's Actually Covered?
Policies advertise “25+ covered conditions”, but three of them account for most claims — and the definitions matter far more than the count.
Disability Insurance for the Self-Employed in Canada
If you work for yourself and can't work, nothing happens automatically. No sick leave, no group plan, no HR department. Here's how to build the safety net yourself.
RESP Withdrawals: How to Take the Money Out Properly
Most RESP advice stops at how to put money in. Taking it out is where families lose money unnecessarily — usually by withdrawing the wrong bucket in the wrong order.
Life Insurance With a Pre-Existing Condition
One insurer declining you is not the market's answer. Underwriting varies enormously between companies, and there are three quite different routes to coverage.
The RDSP and Disability Tax Credit: Canada's Most Overlooked Benefit
Government matching of up to 300%, and money paid in even if you contribute nothing. Yet a large share of eligible Canadians have never opened one.
Segregated Funds vs Mutual Funds: What's the Difference?
Segregated funds cost more than mutual funds. Sometimes that buys something genuinely valuable, and sometimes it just costs more. Here's how to tell which.
Bank Mortgage Insurance vs Term Life: Which Protects Your Family?
You sign for it at the mortgage desk in about ninety seconds. For most families, a personal term policy does the same job better and cheaper — here's why.
Visitor Insurance for Parents: A Practical Checklist
Your parents are coming for a few months and don't need a Super Visa. Here's the short list of things that decide whether the policy actually works.
Super Visa Insurance: Monthly or Pay the Year Up Front?
A full year of coverage up front is a large cheque. Monthly plans changed that — but there are three differences worth understanding before choosing.
The $1,200 BC Families Miss: The Provincial RESP Grant Explained
It requires no contribution, no matching, and no ongoing commitment. It just has a three-year window, and families who don't know about it walk straight past $1,200.
Is Your Life Insurance Still Enough to Cover Your Mortgage?
Canadians hold record life insurance coverage and are still falling short of what their own debts imply. Ontario has the widest gap in the country.
Asset Location: Which Investments Belong in Which Account
Most people choose which account to fund and stop there. Deciding what goes inside each one is a separate decision — and one of the few genuinely free gains available.
Every Loan Comes With an Insurance Offer. Should You Take It?
Most people think about this once, at the mortgage desk. But creditor insurance is attached to nearly every debt — and the questions are the same each time.
You're Sick Abroad. What Do You Actually Do?
Nobody reads this part until they need it, which is usually at 2am in an emergency department in another country. Ten minutes now saves a great deal later.
The OAS Clawback: Two Numbers, and Why Everyone Quotes the Wrong One
Search the OAS clawback threshold and you'll get two different numbers. Both are right. They describe different things, and knowing which is which matters.
Super Visa Insurance Requirements in 2026: The Complete Checklist
The insurance rules are the single most common reason Super Visa applications get refused. Here is exactly what IRCC requires in 2026, and the four mistakes I see families make most often.
RESP, RRSP, TFSA or FHSA: Which Account Should You Fill First?
Four registered accounts, limited money. The right order depends on your income, your timeline and whether you're buying a home — not on which account is 'best'.
How Much Life Insurance Do You Actually Need?
"Ten times your salary" is a starting point, not an answer. Here's the calculation I actually walk clients through — and why most families land somewhere the rule of thumb never would.
Term vs Whole Life Insurance: An Honest Comparison
This debate generates more heat than any other question in insurance. The truth is unglamorous: they are different tools, and the right one depends entirely on what you're trying to do.
A Newcomer's Guide to Insurance in Canada
Canada's healthcare system is genuinely good — but eligibility and waiting periods vary by province, and the gap can be expensive. Here's what newcomers need to arrange, in what order, during that first year.
Protect your future with a free consultation
No pressure, no obligation — just clear, independent advice tailored to your life. Find out where you stand in a quick conversation.